About FreeHealthInsurance.com and who publishes it
FreeHealthInsurance.com is a plain-English guide to free and low-cost health care. FreedInsure LLC, a private health insurance agency, owns and publishes it. It is not a government website. We explain programs like Medicaid and CHIP and send you to the official sites to apply. If you enroll in a plan with FreedInsure's help, the insurer may pay FreedInsure.
Who publishes this guide
FreedInsure LLC owns and publishes this website. FreedInsure is a private health insurance agency. It is not part of the government.
We say this first because our web address can sound like a government program. It isn't one. Each state runs its own Medicaid and CHIP. You apply on your state's official site or on HealthCare.gov, not here. Medicaid and CHIP are free or very low cost for people who qualify. Rules depend on your state, income and household size.
- Publisher
- FreedInsure LLC, a private health insurance agency
- Address
- 1151 Broad Street, Suite 301, Shrewsbury, NJ 07702
- Phone
- (844) 788-3733. This is FreedInsure's line, not a government help line.
- admin@freedinsure.com
- License
- FreedInsure's licensed agent, Constantino Lardi (NPN 20230457), is licensed in 42 jurisdictions. An NPN is a national ID number for an insurance agent. Our list of his licenses shows each place.
Why we made it
Help with health costs is spread across many places. Medicaid and CHIP rules differ from state to state. Health centers, free clinics and hospitals each have their own rules for help with bills. It is easy to miss help you could get.
This guide puts those routes in one place, in plain English. On each page, the free route comes first. The low-cost route comes next. Help with buying a health plan from FreedInsure comes last.
We want every page to be useful even if you never contact FreedInsure. Here are some places to start:
- How Medicaid works and how to apply in your state
- Seeing a doctor when you have no insurance
- Health centers that charge based on income
- Free clinics: who can go and how to find one
- Asking a hospital to cut or forgive a bill
- Tests, shots and screenings at low or no cost
How this site is different from government websites
This is a private guide. It is not a government website. No government agency runs it or endorses it. A federal rule bars anyone from falsely posing as a government agency. It also bars falsely claiming to be linked to, endorsed by or sponsored by one (16 CFR 461.2 (law.cornell.edu)). That is why every page says at the top that this is a private guide. It is also why you won't see government seals, flags or logos here.
The table shows what you can do on the official sites and what you can do here.
| Task | On the official sites | On this guide |
|---|---|---|
| Apply for Medicaid or CHIP | Yes. Apply with your state Medicaid agency. Or fill out a Marketplace application on HealthCare.gov, or on your state's own marketplace if it has one. You can apply any time of year. | No. We link you to your state's official site. |
| Get a decision on whether you qualify | Yes. After you apply, your state contacts you about enrollment. If you are denied, your state sends you a letter. | No. We explain the rules, but we can't decide. |
| See or fix your application | Yes. Log in to your account or call the program. HealthCare.gov's number is 1-800-318-2596. | No. We can't see any application or case. |
| Ask you for money to get or keep coverage | No. HealthCare.gov says the Marketplace, its trained helpers and your state will never ask for your credit card or a payment to qualify for or keep coverage. | No. This guide never asks for money. It costs nothing to read. |
| Web address | Most government sites end in .gov. Only U.S. government groups can get a .gov address. Some state marketplaces use .com or .org instead. | Ends in .com. The ending alone doesn't prove who runs a site. This one is a private guide. |
In short, use this guide to learn your choices. Use the official sites to apply, check your status and get a decision. You can apply for Medicaid and CHIP through HealthCare.gov or your state, or find your state Medicaid agency (medicaid.gov).
One catch: some state marketplaces don't end in .gov. For example, Pennie, Pennsylvania's marketplace, uses pennie.com. To reach the right site, go to HealthCare.gov's state page and pick your state.
Before you type personal details into a health site
- Check the web address. Most government sites end in .gov, and only government groups can get one (get.gov).
- Get coverage facts from government sources like HealthCare.gov. Be wary of social media ads for health insurance that offer cash, gifts or other perks (HealthCare.gov fraud tips).
- Share personal details only on the real site, such as HealthCare.gov or your state's official site.
- Know that the Marketplace, its trained helpers and your state will never ask for your credit card or a payment to qualify for or keep coverage (HealthCare.gov).
- Government agencies usually write to you first by letter, unless you contacted them first. A surprise call, text or email that demands money, a gift card or personal details may be a scam. Scammers can even fake caller ID (USA.gov).
- Not sure a caller is really from the Marketplace? Hang up and call the Marketplace yourself, or ask them to mail you a letter (HealthCare.gov).
- If an agent helps you, ask for their full name and license number. Agents and brokers must be licensed in their states (HealthCare.gov). Our license page shows how to check any agent's license in your state.
- Report a scam to the FTC, the federal consumer protection agency, at ReportFraud.ftc.gov. You can also call the Marketplace at 1-800-318-2596.
How we make money
This guide sells nothing, and it costs nothing to read. FreedInsure, which owns it, is an insurance agency. If you enroll in a plan with FreedInsure's help, the insurance company may pay FreedInsure.
HealthCare.gov says insurers often pay agents and brokers for selling plans. It also says you won't pay anything extra if you enroll with an agent or broker (HealthCare.gov glossary). Still, a paid agent has a reason to want you to enroll. You should know that about us.
FreedInsure can't enroll you in Medicaid or CHIP. Applying for them is free, through your state or HealthCare.gov. Our page on how we're paid has more detail.
Where FreedInsure can and can't help
Most guides have one labeled box from FreedInsure, after the main answer. Some pages, like this one, have no box at all.
In states that use HealthCare.gov, a licensed FreedInsure agent can compare Marketplace plans with you if you don't qualify for Medicaid or CHIP. Marketplace plans are health plans sold through HealthCare.gov or a state marketplace. Two of FreedInsure's licensed staff speak Spanish. You never have to use an agent. You can apply on your own, or get help in person from trained local helpers (localhelp.healthcare.gov).
These limits apply:
- FreedInsure doesn't sell Marketplace plans in DC, ME, MD, NV, PA or VA. In those six places, use your state's official marketplace. The footer of every page links to each one.
- The agent isn't licensed in CO, CT, ID, MA, MN, NM, RI, VT or WA, so FreedInsure can't help you buy insurance there.
- Of the other states where the agent is licensed, CA, GA, IL, KY, NJ, NY and OR run their own marketplaces for 2027 coverage. Oregon's new site, ExploreHealthOR.gov, starts November 1. If you live in one of these states, shop or enroll through your state's official marketplace. Find it on HealthCare.gov's state page.
Who writes and checks the pages
Constantino Lardi is the named author. He is a licensed insurance agent, and he owns FreedInsure. Insurers may pay FreedInsure when people enroll with its help. So he can profit when readers enroll with FreedInsure. His author page says more.
Some pages are drafted with help from AI writing tools. Before a page goes live, Constantino Lardi checks each number, rule and date line by line against the source it cites. If a claim can't be confirmed, it comes out. Each page lists its sources and the date we checked them. The "Last reviewed" date changes only after a real review. Our editorial policy explains the process.
You won't find reviews, ratings or pop-ups here. We don't name or rank insurance companies. We don't promote plans that pay for only some kinds of care.
Your privacy
This site has no forms. We don't ask for your name, email or phone number. Our only analytics tool is Cloudflare Web Analytics. Cloudflare says it does not use cookies or other browser storage to count visits (cloudflare.com). We don't use ad trackers. Our lettering loads from Google Fonts, so your browser also contacts Google. If you call FreedInsure or click through to its own site, FreedInsure's privacy policy applies there. Our privacy page has the details.
If you used this web address before
You may remember a different, older site at this address. Its old pages are gone. They now show a short note saying so. If an old link or bookmark brings you to that note, start at our home page.
Contact us or report a mistake
Found an error or a broken link? Email admin@freedinsure.com. Tell us the page address, the sentence that looks wrong and, if you have one, a link to your source. Please don't send medical details or ID numbers. Our contact page lists more ways to reach us.
We can't see or change your application. For that, contact the program. Call HealthCare.gov at 1-800-318-2596, or reach your state's Medicaid office (medicaid.gov). If your state runs its own marketplace, contact it instead. In a mental-health crisis, call or text 988. In an emergency, call 911.
Sources
- HealthCare.gov, Medicaid & CHIP coverage (apply any time of year, through the Marketplace or your state agency), accessed October 19, 2026
- Medicaid.gov, Where can people get help with Medicaid & CHIP?, accessed October 19, 2026
- HealthCare.gov, Protect yourself from Marketplace fraud & scams (the Marketplace never asks for payment to qualify for or keep coverage), accessed October 19, 2026
- HealthCare.gov, The Marketplace in your state (Oregon residents use ExploreHealthOR.gov for 2027 coverage starting November 1), accessed October 19, 2026
- HealthCare.gov glossary, Agent / broker (health insurance), accessed October 19, 2026
- HealthCare.gov glossary, Broker, accessed October 19, 2026
- CISA, get.gov: Who can get a .gov domain, accessed October 19, 2026
- 16 CFR 461.2, Impersonation of government prohibited (FTC Government and Business Impersonation Rule) (law.cornell.edu), accessed October 19, 2026
- USA.gov, Imposter scams (letter-first contact; faked caller ID; updated October 7, 2026), accessed October 19, 2026
- Pennie, Pennsylvania's health insurance marketplace (home page) (pennie.com), accessed October 19, 2026
- Cloudflare, Web Analytics (no cookies or localStorage used to collect usage metrics) (cloudflare.com), accessed October 19, 2026