Compare ACA, private, short-term, and COBRA-alternative plans from top carriers in one place. A licensed agency — not a marketplace — at no cost to you.
These are carriers selling individual and family coverage in the U.S. market, not a list of the plans we offer. We are an independent agency: availability varies by state and ZIP, we do not offer every plan available in your area, and we are not endorsed by any carrier.
Subsidy-eligible Bronze, Silver, Gold & Platinum plans. 4 in 5 enrollees qualify for help paying premiums.
Off-marketplace plans for those who don't qualify for subsidies — often with broader PPO networks.
Bridge coverage for a gap between jobs or before a new plan starts. How long these plans can last — and whether they can be sold at all — is set by your state.
Not ACA-compliant. Does not cover pre-existing conditions and is not minimum essential coverage.
COBRA has no employer contribution and no premium tax credit, so a subsidized plan is often much cheaper. How much depends on your income and ZIP.
Pediatric dental/vision included, with HMO & PPO options that keep your kids' doctors in-network.
Standalone or bundled with your medical plan, including teledentistry options.
Discount cards, where offered, are not insurance — they provide negotiated discounts only and pay no benefits.
Most clients are quoted in one call. You always get a real licensed agent — never a robocall queue.
Start your quoteZIP code, ages, income, who needs coverage. Takes 90 seconds. No SSN, no credit check.
We pull both the ACA marketplace and private-market plans side-by-side. You see real premiums after subsidies.
Your agent walks you through the application. Coverage can start as early as the 1st of next month.
Renewals, claims questions, life changes — you call the same licensed agent who set up your plan.
Many agencies are captive to a single carrier. We're independent, so we compare marketplace plans (with subsidies) and private-market plans together.
We're paid by the carriers, not you. The price of any plan is the same whether you call us or the carrier directly.
Lost coverage, got married, had a baby, moved? We'll find your Special Enrollment Period in minutes.
Every agent holds an active state resident or non-resident producer license. No overseas call centers, no high-pressure scripts.
We tell you which plans count as comprehensive ACA coverage and which are short-term or indemnity products.
Guides for ten states so far, with more being written. We are licensed well beyond them — if your state is not listed, a licensed agent can still quote and enroll you today.
A "qualifying life event" opens a 60-day Special Enrollment Period — even outside of Open Enrollment.
Compare your COBRA quote against a subsidized marketplace plan before the election window closes.
See your options →Aging off a parent's plan? You have 60 days from your birthday to enroll.
See your options →Bridge to Medicare without paying retiree-plan prices.
Bridge plans →Premium deductions, HSA strategies, and plans that travel with you.
Plans for freelancers →Add dependents, swap plans, lock in pediatric coverage — all within 60 days.
Family options →Open it — then compare before you pay it. You have 60 days to decide.
COBRA alternatives →You talk to one licensed agent.
Not a rotating call queue. The agent who quotes you is the agent who handles your enrollment and your renewal.
We tell you when a plan is not real coverage.
Short-term and indemnity plans have real limits. We say which products are ACA-compliant and which aren't, before you buy.
We'll tell you if COBRA is the better deal.
Sometimes it is — usually when your employer still subsidizes it, or you're mid-treatment with a network you can't replace.
Don't see yours? Call us — most of these answers take 90 seconds on the phone.
No. We're a privately owned, licensed insurance agency — not a government agency, not a state-based marketplace. We help you enroll on HealthCare.gov when an ACA plan is the right fit, and we also show you private and short-term plans the marketplace doesn't carry.
Nothing. Licensed agents are paid by the carriers as part of the plan's existing administrative cost. The price you pay is identical whether you enroll through us or directly with the insurer.
For ACA plans during Open Enrollment or a Special Enrollment Period, coverage usually starts on the 1st of the following month if you enroll by the 15th. Short-term plans can typically start the next day.
About 4 in 5 ACA marketplace enrollees qualify for a premium tax credit. Eligibility is based on household size, household income, and the cost of plans in your area. We'll run the math on the call.
ACA marketplace plans, including the private "off-marketplace" versions of ACA-compliant plans, cover pre-existing conditions with no waiting period. Short-term medical plans typically do not; we'll always tell you which category a plan falls into.
For paid-traffic campaigns we use call-tracking pools so we know which ad you came from. The number you see is always staffed by the same licensed agent team — there is no off-shore call center.
Tell us your ZIP and a licensed agent will walk you through the plans available where you live.