If your ACA Marketplace coverage was canceled or you recently discovered that you no longer have the health plan you thought you had, you may be wondering what happens if you or someone in your family needs healthcare tomorrow.
Here is the important part:
Losing health insurance does not mean losing access to healthcare.
Your need for healthcare does not disappear because your coverage does. You may still need a doctor when your child gets sick, a prescription refilled, a lab test or scan, help with a hospital bill, or simply someone who can help you figure out what to do next.
Today, there are ways to get help with those things without waiting for an insurance card.
On September 22, 2026, the Centers for Medicare & Medicaid Services announced that approximately 315,000 Marketplace enrollments covering more than 760,000 people had been canceled. CMS said the cancellations followed reviews by CMS and health insurers that determined the enrollments were unauthorized. The cancellations occurred on August 31.
If you were affected, it is worth finding out what happened and what options may be available to you.
But you do not have to solve your entire insurance situation before dealing with the healthcare need in front of you.
Maybe your child wakes up with a fever tomorrow morning. You have a cough that isn't getting better. You need a prescription refilled. A doctor tells you that you need blood work or an MRI. Or a hospital bill arrives that you have no idea how you're going to pay.
Those are healthcare problems. And there are practical ways to start dealing with them.
FUL gives people and their households somewhere to turn across those different moments. You can download FUL for free and start with prescription savings and practical healthcare field guides. You don't have to buy a membership just to get started.
Then, if you need more help, membership adds the services designed for the bigger healthcare problems.
If someone in your household gets sick, you don't necessarily have to begin by wondering whether you can afford an urgent-care visit.
FUL members and their eligible household members get unlimited $0 doctor visits, 24/7. FUL guarantees connection to a doctor who can prescribe within 60 seconds.
That gives you a simple place to start: ask a doctor.
If the next step is a prescription, you can use the prescription savings available in the FUL app. If the doctor orders labs or imaging, FUL doctors can help members identify cash-pay options rather than simply assuming the first price is the only one available.
For a medical emergency, call 911 or go to the nearest emergency department.
A hospital bill deserves attention before you assume the amount printed on it is what you ultimately have to pay.
FUL partners with Goodbill to provide members expert help with hospital bills at $0 to the member. Goodbill reviews bills and claims, looks for billing issues and discount opportunities, and helps eligible patients pursue hospital financial assistance.
That assistance can be substantial. Goodbill says its 501(r) financial-assistance work can reduce eligible patient responsibility by up to 100%.
Goodbill can also help with the work that makes hospital financial assistance difficult to navigate on your own: checking the hospital's policy, helping gather the required information, submitting the application and following up with the hospital until a determination is made.
So if you have a hospital bill you cannot afford, don't assume the first number you see is the final answer.
You may decide that finding another insurance option is important for you or your household. Depending on your circumstances, that could mean another Marketplace plan, employer coverage, Medicaid or CHIP.
FUL members can get help with Medicaid and CHIP eligibility and enrollment.
Medicaid and CHIP can be applied for throughout the year, and people who lose qualifying health coverage may also qualify for a Marketplace Special Enrollment Period.
FUL doesn't make that decision for you. It gives you help understanding and acting on the options available to you.
You don't need to know what healthcare problem is coming next before downloading FUL.
Start with the free app. Use the prescription savings. Read the practical healthcare field guides. Keep FUL on your phone so you know where to turn when a healthcare question comes up.
If you reach the point where you need member services—a doctor, help with a hospital bill, help finding affordable labs or imaging, or assistance with Medicaid or CHIP eligibility and enrollment—you can become a member then.
FUL membership is $16.99 a month for your household, including eligible household members. Membership includes unlimited $0 doctor visits, 24/7, along with FUL's broader healthcare support.
For a long time, having access to healthcare and having health insurance have been treated almost as though they mean the same thing. They don't.
Health insurance can provide important financial protection against healthcare costs. Healthcare is what you need when something actually happens: a doctor when you're sick, an affordable way to fill a prescription or get a test, help dealing with a hospital bill, or support finding coverage you may qualify for.
Today, not having health insurance does not mean you cannot have access to healthcare.
If you've just lost coverage, you don't have to figure out your entire healthcare future today. Start with the need in front of you.
And if you don't need anything today, that's okay too.
Download FUL for free from the App Store or Google Play and keep it on your phone. When you need healthcare, you'll know where to start.