Millions of Californians qualify for free hospital care — and never get it.
Every California hospital is required by law to offer free or discounted care to patients who can't afford their bills. Cobijo Health finds that help for you — in plain language, in your language, for free.
Free · multilingual · nothing is saved · not legal or medical advice
Three ways we help with one bill
Tell us your hospital, income, and household size. In seconds you get a personalized plan.
Hospital charity care
Find out if you qualify for free or discounted care at that specific hospital — with the exact income limit — and get a ready-to-send request letter.
Benefits you may have missed
We screen you for Medi-Cal and Covered California — coverage you may qualify for that can even apply to recent bills.
Defense from the debt
Know your rights if a bill is in collections, apply charity care retroactively, and get connected to free legal aid.
Who it's for
The people the system leaves to decode a 20-page policy alone.
Why this hasn't existed before
Every hospital's charity-care rules are buried in a separate, dense legal PDF. No one had ever put them in one place. Cobijo uses AI to read California hospitals' financial-assistance policies and extract each one's exact rules into one clean, open dataset — so the tool can tell you what your hospital actually offers. Open-source and open-data, built in the public interest.
Ready to see what you qualify for?
It takes about a minute, it's completely free, and we don't save anything you enter.
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