Get covered for as low as $0/month
You may qualify for a $0/month ACA health plan depending on your income and household size — see your options in minutes.
Estimates only; actual eligibility and cost depend on your state, income, and household size.
Visual example only
Household size
3 people
ZIP code
33101
Estimated income
$38,000 / year
See what you may qualify for
Answer a few quick questions and instantly preview the type of coverage and estimated cost that may apply to your household.
- ✓ Personalized estimate in minutes
- ✓ No obligation to enroll
- ✓ Based on income & household size
Plan summary — example
✓ Primary care visits
✓ Prescription coverage
✓ Preventive care included
10 essential benefits
Coverage that actually covers
Every ACA-compliant plan includes essential health benefits — from checkups to emergencies — so you're never left guessing what's included.
- ✓ 10 essential benefit categories
- ✓ No denial for pre-existing conditions
- ✓ Preventive care at no extra cost
Talk to a licensed agent
Have questions? A licensed insurance agent can walk you through your options and help you enroll — at no extra cost to you.
- ✓ Licensed, US-based agents
- ✓ Phone or chat support
- ✓ Help understanding your options
Agent chat — example
Plan tiers explained
A general look at how ACA marketplace tiers typically balance monthly premiums against out-of-pocket costs.
Bronze
Lower premium
Typically the lowest monthly cost, with higher out-of-pocket costs when you need care.
Silver
Balanced option
A moderate premium with moderate out-of-pocket costs — often eligible for extra savings.
Gold
Higher premium
Higher monthly cost in exchange for lower costs when you actually use care.
Platinum
Lowest out-of-pocket
The highest premium tier, designed for those who expect to use care frequently.
Plans, availability, and costs vary by state, income, and insurer. These tiers are illustrative examples only and not a quote or guarantee of coverage.
How it works
Three simple steps between you and a plan that may fit your budget.
Answer a few questions
Tell us your ZIP, household size, and income range — it takes about 2 minutes.
Compare plans you may qualify for
See estimated premiums and coverage side by side, based on your answers.
Enroll with a licensed agent
A licensed agent can help you finalize your choice and complete enrollment.
What people are saying
Illustrative testimonial — individual results and experiences may vary.
"I figured I'd never qualify for anything decent, but the whole check took less than five minutes and I actually found a plan I could afford."
Maria L.
Florida
"The agent I spoke with actually explained the difference between the tiers instead of just pushing the most expensive one. That made the decision way easier."
James R.
Texas
"Between freelance gigs my income changes a lot, so I assumed getting covered would be a headache. This made it simple to see what was actually available to me."
Sara K.
California
Frequently asked questions
Quick answers about eligibility, coverage, and how Carelivo works.
Some applicants qualify for plans with a $0 monthly premium based on income and household size, but this isn't guaranteed for everyone. Your actual cost depends on your eligibility.
Eligibility is generally based on household income, size, and state of residence. Answering a few quick questions is the fastest way to find out where you stand.
No. Carelivo is not affiliated with HealthCare.gov, CMS, or any government agency. We help connect you with licensed agents who can discuss ACA marketplace options.
ACA-compliant plans include 10 essential health benefit categories, such as emergency care, hospitalization, prescriptions, and preventive services.
Open Enrollment happens once a year, though certain life events may qualify you for a Special Enrollment Period. Check your eligibility to see current windows.
Marketplace coverage and any premium subsidies can be relevant at tax time. A licensed agent or tax professional can walk you through what applies to your situation.
Your $0 plan might be waiting.
Take two minutes to check your eligibility and see what ACA coverage may be available to you and your household.
Find My Plan →