The questions farm worker families actually ask us.

Yes. Seasonal income is annualized for ACA subsidy calculations — most seasonal workers qualify for large premium tax credits.

Sí. El ingreso de temporada se anualiza para subsidios ACA — la mayoría califica para grandes créditos.

Not always. CHIP and some state programs serve children without SSNs. ACA marketplace plans typically require legal residency for the enrollee — but other family members may qualify even if you do not.

No siempre. CHIP y algunos programas estatales atienden a niños sin SSN. ACA típicamente requiere residencia legal.

Multiple employers is common in agriculture. We use combined annual income to calculate subsidies — no need to consolidate.

Múltiples empleadores es común. Usamos el ingreso anual combinado para calcular subsidios.

ACA uses your estimated annual household income. We build a realistic estimate that accounts for active months and off-season, then verify after tax season.

Usamos su ingreso anual estimado, contando meses activos y de descanso.

Many farm worker families pay $0-$50/month after subsidies. We show the real post-subsidy number, not the list price.

Muchas familias pagan $0-$50/mes después de subsidios. Mostramos el número real.

Yes. Always. Insurance carriers pay us only if you choose to enroll in a plan. You never pay us anything.

Sí. Siempre. Las aseguradoras nos pagan solo si usted se inscribe. Usted nunca nos paga.

Yes, in most states. U.S.-born children are citizens and eligible for CHIP or Medicaid regardless of parents' status. Applying for your child does not impact your status.

Sí. Niños nacidos en EE.UU. son ciudadanos y elegibles. Aplicar por su hijo no afecta su estatus.

CHIP is free or very low cost in most states — usually under $50/month per family. Preventive care, dental, and vision are included.

CHIP es gratis o de muy bajo costo en la mayoría de estados — usualmente menos de $50/mes.

Different family members can be enrolled in different programs. U.S.-citizen and lawfully-present members may qualify for ACA, CHIP, or Medicaid; others may qualify for state programs or community health centers.

Distintos miembros pueden inscribirse en distintos programas. Mapeamos a cada uno individualmente.

ACA, CHIP, and Medicaid enrollment information is not shared with immigration enforcement. We never share or sell your data.

La información de inscripción no se comparte con autoridades migratorias. Nunca vendemos sus datos.

Typically: proof of income (pay stubs or last year's tax return), date of birth for each person, SSNs for those who have them, immigration documents for lawful residents.

Comprobante de ingresos, fecha de nacimiento, SSN si tiene, documentos migratorios para residentes legales.

Yes if you have a qualifying life event — marriage, birth, loss of coverage, moving, or job change. CHIP and Medicaid enroll year-round.

Sí con un evento de vida calificado. CHIP y Medicaid se inscriben todo el año.

From first call to active coverage: typically 3-7 business days. Same-day enrollment is possible when documents are ready.

De la primera llamada a cobertura activa: 3-7 días hábiles típicamente. Inscripción el mismo día es posible.

Yes. Every advisor on our farm-worker outreach team is fully bilingual. Most are first or second-generation themselves. No phone translators.

Sí. Cada asesor es completamente bilingüe. La mayoría son primera o segunda generación. Sin traductores.

Yes. Plan summaries, enrollment confirmations, ID cards (where available), and all renewal notices can be sent in Spanish.

Sí. Resúmenes de plan, confirmaciones, tarjetas (donde disponibles), y avisos de renovación en español.