BeniVita targets people left out of ACA coverage with monthly telehealth membership

BeniVita is pitching a year-round telehealth membership to people who cannot access Affordable Care Act marketplace coverage, including undocumented immigrants and families in the coverage gap. The Houston-based company says the service is available nationwide in English and Spanish, starts at $69.95 a month, and is not insurance.

Why it matters: - Millions of people in the U.S. remain outside affordable coverage even during Open Enrollment. - BeniVita is aiming at undocumented immigrants, mixed-status families, gig workers, self-employed people and households that earn too much for Medicaid but too little to comfortably afford marketplace premiums. - The company is positioning telehealth membership as an alternative way to get everyday care when traditional insurance is out of reach.

What happened: - BeniVita announced a nationwide telehealth membership for people excluded from ACA Marketplace coverage. - The service is available regardless of immigration status and has no enrollment window. - The company says the membership is available year-round in English and Spanish. - BeniVita says the service is not insurance and not a substitute for major medical coverage.

The details: - Monthly pricing is $69.95 for an individual, $79.95 for a couple and $89.95 for a family of up to five. - Members can access licensed, bilingual virtual physicians 24/7 for urgent care needs. - Virtual primary care is available for chronic condition management. - Licensed virtual therapists provide mental health counseling. - The prescription benefit covers access to more than 1,500 commonly prescribed medications, with hundreds available at no additional cost. - Members also get lab, dental and vision discounts. - No Social Security number is required. - No proof of legal residency is required. - No insurance card is needed. - Anyone living in the U.S. can sign up from any phone or device. - BeniVita says enrollment takes minutes. - The membership is available nationwide. - The company says there is no waiting period.

Between the lines: - The pitch reflects a broader affordability crisis that leaves many households underinsured or uninsured even when marketplace enrollment is open. - BeniVita is framing its product as a practical access tool for families who face cost, documentation or eligibility barriers rather than as a replacement for comprehensive coverage. - The company says nearly 28 million Americans were uninsured in 2025 and about 45 million working-age adults were underinsured. - BeniVita also points to the rising cost of employer-sponsored family coverage, which reached nearly $27,000 a year in 2025. - Founder and CEO Jon Guzman said BeniVita was built for people Open Enrollment leaves behind. - BeniVita representative Lauro Herrera said the service is meant to address the Latino community's experience of being told coverage is not for them.

What's next: - BeniVita is available now, with no enrollment window and no waiting period. - The company says Jon Guzman is available for English-language interviews about the healthcare access crisis and BeniVita's role as a national solution. - Lauro Herrera is available in Spanish to discuss the Latino community's experience during Open Enrollment. - BeniVita says it operates in strategic partnership with PLSH, a publicly traded OTC-market company. - More information is available at the company's website.