ACA Open Enrollment runs Nov 1 – Jan 15  |  Medicare AEP: Oct 15 – Dec 7  Check your subsidy eligibility now →
Licensed in CA · TX · AZ · FL (pending)

Insurance that works for every stage of life

From Medicaid and ACA Marketplace to Medicare, life, accident, and travel insurance — one licensed agency, plain-English guidance, and enrollment help that is always free.

Check my eligibility →Talk to a specialist
✓ Free — no obligation✓ Confidential✓ Licensed agent✓ Results in 60 seconds
Quick eligibility check

What coverage are you looking for?

Takes 60 seconds. Free, private, no obligation.

or speak to a specialist
1-888-517-2550

Free · No obligation · Licensed agent

73.5M
Enrolled in Medicaid & CHIP (CMS 2026)
$0
Cost to check your eligibility
4
States where we are licensed
24h
Typical specialist callback time
Coverage options

Find the right plan for you

One licensed agency. Six plan types. All explained simply and enrolled in fast.

🏥

Medicaid / Medi-Cal

Free or very low-cost health coverage for low-income individuals and families. Eligibility check in 60 seconds.

Free enrollment helpLearn more →
📋

ACA / Marketplace Plans

Subsidized health plans through Covered California (CA) or HealthCare.gov (TX, AZ). Check your premium tax credit.

Open Enrollment: Nov 1 – Jan 15Learn more →
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Medicare Advantage

Compare Part C and Part D plans from top carriers in CA, TX, and AZ. Annual Election Period runs Oct 15 – Dec 7.

AEP: Oct 15 – Dec 7Learn more →
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Life Insurance

Term and whole life coverage to protect your family's financial future. Available in all licensed states.

Term · Whole lifeLearn more →
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Accident & Sickness

Supplemental coverage that pays cash benefits when illness or injury prevents you from working.

Supplemental coverageLearn more →
✈️

Travel Insurance

Trip cancellation, emergency medical evacuation, and baggage protection for domestic and international travel.

Domestic · InternationalLearn more →
How it works

Enrolled in three steps

No pushy sales calls. Just honest guidance from a licensed agent — always free.

1

Answer 5 questions

Tell us your state, household size, income, and what coverage you need. Takes under 60 seconds.

2

See your options

We instantly show plans you qualify for — Medicaid, ACA, Medicare, life, or supplemental — with real estimated costs.

3

Get enrolled

A licensed enrollment specialist contacts you to complete your application. Free of charge, no obligation ever.

Eligibility

Who typically qualifies?

Coverage options exist for nearly every household. The key is knowing which program fits your situation.

Children & Families

Children & Families

Low-income families with children under 19 may qualify for Medicaid or CHIP — free coverage, regardless of immigration status in many states.

Medicaid · CHIP
ACA Marketplace Enrollees

ACA Marketplace Enrollees

Adults earning 100%–400% of the federal poverty level qualify for premium tax credits on ACA plans. Covered California serves CA residents year-round.

ACA · Covered CA
Pregnant Women

Pregnant Women

Expanded Medicaid coverage for pregnant women with higher income limits in most states. Prenatal care through postpartum covered at no cost.

Pregnancy Medicaid
Seniors & Medicare Eligible

Seniors & Medicare Eligible

Adults 65 and older can compare Medicare Advantage plans, Medicare Supplement (Medigap), and Part D prescription drug coverage.

Medicare · Part D
Working Adults

Working Adults

In Medicaid expansion states including California, Texas, and Arizona, adults earning up to 138% of the federal poverty level qualify for full Medicaid.

Expansion states
Travelers & Self-Employed

Travelers & Self-Employed

Individuals without employer coverage can access ACA Marketplace plans, accident and sickness coverage, and travel insurance for complete protection.

ACA · Travel · Accident
Illustrative examples

What people like you pay

Based on 2026 federal guidelines. Actual costs depend on state, income, age, and plan selection.

👩
Maria, 29
Fresno, CA · Single
Income$23,000/yr
ACA Marketplace
$490/mo in financial help
$0/mo
👨‍👩‍👧‍👦
The Johnsons
Houston, TX · Family of 4
Income$38,000/yr
Medicaid + CHIP
Full coverage for the kids
$0/mo
🤰
Destiny, 24
Atlanta, GA · Pregnant
Income$31,000/yr
Pregnancy Medicaid
Prenatal through postpartum
$0/mo
👨
Robert, 58
Columbus, OH · Self-employed
Income$52,000/yr
ACA Marketplace
$1,100/mo in financial help
$84/mo

Illustrative estimates only, based on 2026 HHS/CMS guidelines. Use the official HealthCare.gov plan finder for your accurate quote.

Ready to get covered?

Speak with a licensed enrollment specialist — free, no obligation, in English or Spanish.

1-888-517-2550
Check eligibility now →Schedule a callback
Open enrollment deadlines
ACA Open Enrollment
Nov 1 – Jan 15
Medicare AEP
Oct 15 – Dec 7
Medicaid
Year-round
Why Omnicaid

Trusted, licensed, and always free

🪪

Licensed in 4 states

CA #[BE number] · TX · AZ · FL (pending). Denari Group LLC operating as Omnicaid Insurance Solutions.

🛡️

E&O insured

$1M per claim, $3M annual aggregate. Continental Casualty Company (CNA). Policy #596427449.

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Your data is protected

We never sell your personal information. Data is shared only with the carriers you choose to explore.

Common questions

Straight answers — no jargon

Everything you need to know before you get started.

Is this free?

Yes. Checking your eligibility and getting enrollment help through Omnicaid is completely free. We are compensated by licensed enrollment partners, not by you.

What is the difference between Medicaid and ACA?

Medicaid is free or very low-cost coverage for lower incomes, funded by the government. ACA Marketplace plans are subsidized private insurance plans — the subsidy you receive depends on your income.

Does checking affect my current coverage?

No. Checking your eligibility is just an estimate. It does not affect any existing coverage you have and does not enroll you in anything.

What if I already have insurance?

You may still qualify for Medicaid or a better ACA plan. Some people use Medicaid as secondary coverage to reduce out-of-pocket costs. It is worth checking.

What states do you serve?

We are currently licensed in California, Texas, and Arizona with Florida pending. For other states we can connect you with a licensed agent in your state.

How long does enrollment take?

A specialist typically contacts you within 24 hours. Medicaid approval takes 2 to 4 weeks. ACA coverage can start as soon as the first day of the following month after enrollment.

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Never miss an enrollment deadline

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