To qualify, you must live in the U.S., be a U.S. citizen or legal resident, not be incarcerated, and meet income requirements. We’ll help you check eligibility in minutes.

Not always. You can make changes during the Annual Enrollment Period (Oct 15–Dec 7) or if you qualify for a Special Enrollment Period due to a life event (like moving or losing coverage). We can guide you through the process.

Never. Our enrollment assistance, plan comparisons, and ongoing support are 100% free. You pay the same as if you enrolled on your own — with the added benefit of expert guidance.

No. Lupac Health Group is an independent insurance agency. We partner with trusted providers to help you compare, select, and manage the best plans available — at no cost to you.