Health coverage that actually fits your life.
Private health plans, ACA marketplace coverage, and Medicare options — we shop across all major carriers to find you the best coverage at the lowest cost.
Coverage Types
Private Health Insurance
Individual and family plans outside the marketplace. Flexible options with broader networks and faster enrollment.
ACA / Marketplace
Subsidized plans through the federal marketplace. You may qualify for significant premium reductions based on your income.
Medicare
Turning 65 or qualifying early? We'll help you navigate Medicare Parts A, B, C, and D and find the right supplement plan.
We shop every carrier so you don't have to.
Instead of going directly to one insurance company and getting one option, we compare plans across every major carrier available in your area — finding you the best coverage at the lowest price.
Ready to find the right health plan?
Free 10-minute consultation. We'll compare your options and explain everything clearly — no jargon, no pressure.
Health Coverage Rules by State
Medicaid eligibility, marketplace subsidies, and plan availability all depend on where you live. Find your state below for details specific to your coverage options:
Don't see your state? Contact us — we're licensed in 21 states and can confirm your coverage options.
Frequently Asked Questions
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ACA marketplace plans are sold through the federal or state health insurance exchange, follow standardized coverage tiers (Bronze, Silver, Gold, Platinum), and are the only plans eligible for income-based subsidies. Private health insurance is purchased directly through a carrier or broker outside the marketplace, which can offer more plan variety and flexibility but no subsidy eligibility. The right choice depends on your income, subsidy eligibility, and specific coverage needs.
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Subsidy eligibility for ACA marketplace plans is based primarily on household income relative to the federal poverty level, and most people earning up to roughly 400% of the poverty line (with expanded eligibility in recent years covering many above that too) qualify for at least a partial premium subsidy. Household size, state of residence, and current employer-coverage offers also factor in. A broker can run the exact numbers for your situation at no cost.
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Medicare is federal health insurance primarily for people age 65 and older, plus some younger people with qualifying disabilities. Your Initial Enrollment Period runs seven months, starting three months before the month you turn 65. Missing this window without other qualifying coverage can trigger late-enrollment penalties that last for life, so timing your enrollment correctly matters.
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Yes, self-employed individuals can access ACA marketplace subsidies based on their income, private individual plans, or in some cases health-sharing and association plans, depending on their state and situation. Because self-employed income can fluctuate, working with a broker to structure coverage — and revisit subsidy eligibility as income changes — helps avoid paying more than necessary.
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Missing open enrollment generally means you can't purchase or change ACA marketplace coverage until the next annual enrollment period, unless you qualify for a Special Enrollment Period triggered by a life event such as losing other coverage, marriage, or having a child. Outside the marketplace, some private and short-term plans remain available year-round, though they don't carry subsidy eligibility.