The Center for Consumer Information & Insurance Oversight
Consumer Assistance Program
Many states offer help to consumers with health insurance problems through Consumer Assistance Programs* (CAPs). Through a federal grant, many States have established CAPs in order to better assist consumers experiencing problems with their health insurance or seeking to learn about health coverage options. State CAPs offer direct assistance by phone, direct mail, email, or walk-in locations to help consumers learn how to obtain or use their insurance effectively. CAPs play a critical role in ensuring that consumers are able to find health insurance and are able to access the benefits to which they are entitled.
CAPs that are still in operation are funded exclusively through mechanisms other than federal grant funds.
*These programs received funding through Section 1002 of the Affordable Care Act.
How can I get direct help with a problem or question?
The map below will help you find the contact information for your State’s CAP. If your State doesn’t have a CAP, the map will direct you to other possible resources – such as the State Department of Insurance and the US Department of Labor – including phone numbers, email addresses, direct mailing addresses, and websites.
- March 5, 2020 Information Related to COVID–19 Individual and Small Group Market Insurance Coverage
- March 12, 2020 FAQs on Essential Health Benefits Coverage and the Coronavirus (COVID-19)
- March 18, 2020 FAQs on Catastrophic Plan Coverage and the Coronavirus Disease 2019 (COVID-19)
- March 24, 2020 FAQs on Availability and Usage of Telehealth Services through Private Health Insurance Coverage in Response to Coronavirus Disease 2019 (COVID-19)
- March 24, 2020 Payment and Grace Period Flexibilities Associated with the COVID-19 National Emergency
- March 24, 2020 FAQs on Prescription Drugs and the Coronavirus Disease 2019 (COVID-19) for Issuers Offering Health Insurance Coverage in the Individual and Small Group Markets
- April 11, 2020 FAQs about Families First Coronavirus Response Act and the Coronavirus Aid, Relief, and Economic Security Act Implementation
*This document was updated on April 15, 2020, to correct an error in footnote 10 regarding the current end date of the public health emergency related to COVID 19.
- April 13, 2020 Postponement of 2019 Benefit Year HHS-operated Risk Adjustment Data Validation (HHS-RADV)