We'll use your ZIP and income to calculate your ACA subsidy, then show you Gabriel Emerald, Sapphire, and Onyx all-in — membership plus matched coverage, one total.
Based on your income, you qualify for a catastrophic health plan — normally reserved for people under 30. It runs $80–$150 less per month than a Bronze plan, and Gabriel Care still covers your deductible up to $5,000.
Based on your ZIP, age, household, and income, you may qualify for an ACA path with a lower monthly premium than expected.
ACA plans cover all 10 essential health benefits required by law. Gabriel sits beside that insurance layer and handles the proactive wellness care, reimbursement, and coordination you actually use month to month.
Both are great. Pick the one that fits how you want to spend your money.
Lower monthly cost. Gabriel covers your deductible so the high out-of-pocket doesn't bite. Best if you're healthy and want to redirect savings to wellness.
Lower deductible, more plan features, broader network. Pay ~$100–$200 more per month for a richer foundation.
Not interested in catastrophic? Skip — show me standard tier options
Gabriel Care membership + a matched ACA plan from a top carrier in your state. One experience, transparently two bills, fully integrated.
We collect this once — same info powers your Gabriel Care membership and your ACA application. No re-entry later.
Based on your ZIP, income, and Emerald tier, these are your best-value options. Your Gabriel Care deductible coverage applies to all of them.
California runs its own ACA marketplace — usually better subsidies and state-specific plans. We'll finish your application on their site, then come back here to activate. Your Gabriel Care membership starts now, regardless.
This is your quote from Covered California's plan catalog. You'll pick the exact plan on their site — we'll pre-fill with everything you just entered.
What happens next: Click below to open Covered California. Your info auto-populates. Finish your application (usually 10 min), then return here — we'll confirm coverage automatically.
Denaya, our DRLP with California producer license, will complete the Covered California application on your behalf. Typical turnaround: 24–48 hours.
Your Gabriel Care membership starts today. Then you'll make a one-time $140 payment directly to Blue Shield to activate your ACA coverage — federal law requires we never touch that money.
Billed by Gabriel Labs, starting today. Cancel anytime.
Paid directly to Blue Shield of California — we can't custody this payment by federal law.
Clicking below opens Blue Shield's secure payment portal in a new tab. Come back here when you're done — we'll automatically confirm your coverage is active.
Coverage effective date: May 1, 2026. Policy binds within 24 hours of payment received.
Your Gabriel Care is active. Your Blue Shield policy binds within 24 hours. Your care team is being assembled now — you'll hear from your Practitioner Navigator by tomorrow.
The same 5-screen flow works over SMS for members who never touch a browser. Gabriel's bot handles discovery + quoting; CMS-compliant application happens via a secure JWT link that opens Screens 3–5 on their phone.