Coverage Overview
We Match You. We Don't Sell to You.
Enygma is not a plan store or a direct insurer. We're a matching and referral service that connects you with a licensed broker who closes everything for you — at no cost to you.
Think of us as the GPS for your health insurance search. You tell us where you are (your situation, income, state, family size) and we figure out the best route — then hand you off to a licensed broker who knows every turn.
Below is an honest overview of the main coverage categories available in the United States. This is education, not a sales pitch. Use it to understand your landscape before we help you navigate it.
Plan Categories
Types of Coverage We Help With
These are the main categories of U.S. health coverage. Your situation determines which ones you qualify for — that's exactly what we figure out together.
ACA Marketplace Plans
Plans offered through the federal or state Health Insurance Marketplace under the Affordable Care Act. These plans cannot deny you for pre-existing conditions and may include subsidies based on your income.
Best for: Most uninsured individuals and families
Medicaid & CHIP
Government-funded coverage for people with low income. Medicaid covers adults; CHIP covers children. Eligibility depends on your state, household size, and income level. Our brokers can check your eligibility at no cost.
Best for: Low-income individuals, families, and children
Short-Term Coverage
Temporary coverage that bridges gaps between other plans. If you recently lost employer insurance and are waiting for open enrollment, short-term plans can help. These plans have limitations, so they work best as a stopgap, not a permanent solution.
Best for: People in coverage transitions
Family Plans
Coverage designed to protect every member of your household under a single policy. Family plans can be ACA Marketplace plans or employer-sponsored coverage. We help you compare options based on your family size and budget.
Best for: Households with two or more members
Find Your Fit
How to Know Which Plan Is Right for You
You don't need to figure this out alone. But knowing the answers to these questions will help your broker find the right match much faster.
When you fill out our form, we ask you these same questions — in plain English, with no judgment. Your answers go directly to your broker, who reviews everything before reaching out.
1
What is your approximate household income?
Determines whether you qualify for Medicaid or ACA subsidies.
2
How many people are in your household?
Affects eligibility thresholds and family plan pricing.
3
Are you currently employed, self-employed, or between jobs?
Determines which enrollment windows apply to you.
4
Do you have any ongoing medical conditions or regular prescriptions?
Helps identify plans with the right network and drug coverage.
5
Have you had coverage in the last 60 days?
A coverage gap or qualifying life event can open a Special Enrollment Period.
Why This Matters
A matching service beats a plan store — every time.
When you go to a plan store, you see a list of options and have to guess which one is right. When you come to Enygma, you tell us your situation and we do the guessing for you — then a licensed expert confirms the answer and enrolls you.
You pay nothing for this. Brokers earn a commission from insurers when you enroll — not from you. That means our incentive is to find you the best plan, not the most expensive one.
No cost to you
No pressure to buy
Expert guidance included
Works in all 50 states
Ready to Start
Ready to find out which plan fits you? Let's talk.
Fill out a short form and we'll connect you with a licensed broker who knows your state, your situation, and your options.