ACA Consumer Assistance Programs (CAPs)
State-level free consumer-help programs for navigating health-insurance disputes. Created by ACA §1002.
What this agency handles
Free help with health-insurance complaints, appeals, and Marketplace enrollment. Help filing internal appeals, accessing external review, understanding plan documents.
When to file
When you need help understanding or filing an appeal but can't afford an attorney.
How to file
Find your state's CAP via Healthcare.gov/consumer-help-center.
Frequently asked questions
What does ACA Consumer Assistance Programs (CAPs) handle?
Free help with health-insurance complaints, appeals, and Marketplace enrollment. Help filing internal appeals, accessing external review, understanding plan documents.
When should I file with them?
When you need help understanding or filing an appeal but can't afford an attorney.
How do I file?
Find your state's CAP via Healthcare.gov/consumer-help-center.
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Visit ACA Consumer Assistance Programs (CAPs)
Find your state's CAP via Healthcare.gov/consumer-help-center.
Get started →Contact: hello@denialhelp.com