Health insurance that fits your life and your budget.
Pick your state, answer a few quick questions, and see the plans available where you live, priced for your age and income. One licensed advisor will follow up with you.
- Pick your state and answer a few questions. It takes about two minutes.
- You see a list of plans as soon as you send the form, and we go over real ones together.
- Your details are never sold, and you are not signed up for anything.
Health insurance and more, in one conversation
The form above is for health plans. If you also need one of the types below, say so on the call and you will not have to talk to five different people.
Individual and family health
ACA Marketplace plans for you and your household, with help finding out what you qualify for.
Life insurance
Term, whole and universal life policies.
Dental
Preventive and restorative dental coverage.
Vision
Eye exams, glasses and contacts.
Group health
Small business plans for you and your team.
Prescription assistance
Programs that can lower the cost of medications.
Supplemental
Hospital indemnity and critical illness coverage.
How plan levels work
Every Marketplace plan falls into one of four levels. The level says how costs are shared between you and the insurance company, not how good the doctors are.
Lowest monthly price, highest costs when you actually use care. It suits people who rarely need a doctor and mainly want protection from a very large bill.
A middle price. This is the one plan level where extra help with deductibles and copays can apply, depending on your income.
Higher monthly price, lower costs at the doctor and the pharmacy. Often worth a look if you see doctors regularly or take ongoing prescriptions.
The highest price and the lowest costs when you use care. It is not offered in every area.
Percentages are averages across all members of a plan. Catastrophic plans also exist for people under 30 or with a hardship exemption.
Three steps to the right coverage
Tell us a little
Pick your state, then add your ZIP code, household, income and how to reach you. About two minutes.
See plans right away
Plans scaled to your income, age and household, so you know what to expect.
Your advisor calls you as soon as possible
We go through real plans together, check your doctors and medications, and you decide. No pressure.
Always verify your advisor's license
Anyone who sells or advises on insurance must be licensed in your state. Every licensed agent has a National Producer Number (NPN), a public record you can look up yourself.
- Ask for their NPN and look it up at nipr.com before you share more details.
- Check that the license is active and covers your state and the type of coverage you want.
- A licensed agent will share this freely. Any hesitation is a red flag.
Frequently asked
Is this HealthCare.gov?
No. This site is run by an independent licensed insurance agent. You can always apply directly at HealthCare.gov instead. I can also help you do it there.
What does it cost to work with you?
Nothing. Insurance companies pay agents, and Marketplace plans cost the same whether or not you use an agent.
Can I get help paying for health insurance?
Many people qualify for premium tax credits that lower the monthly price of a Marketplace plan, and some also qualify for lower deductibles and copays on Silver plans. It depends on your income and household size, and the rules change from year to year, so I check what applies to you on the call.
Will you sell my information?
No. What you enter here goes to your advisor so we can help you. It is not sold or shared with other lead companies. If you choose to enroll, it goes to the insurance company and the Marketplace, because they need it to enroll you.
Why do you ask for income and date of birth?
Premiums depend on age, and your income decides how much help you may get paying them each month. Without both, any price I showed you would be a guess.
What if I have a pre-existing condition?
ACA Marketplace plans cannot turn you down or charge you more because of your health or a pre-existing condition. Some other kinds of coverage, such as short term plans, can work differently, and I will tell you the difference.
Can I sign up at any time?
Marketplace plans have a yearly open enrollment period. Outside it you generally need a qualifying life event, such as losing other coverage, moving, getting married or having a baby. Tell me your situation and I will tell you which dates apply.
I am 65 or older. Can you still help?
At 65 you may qualify for Medicare, which works differently from Marketplace plans. Tell me your situation on the call and we will go over your options.
How do I check that an advisor is licensed?
Ask for their National Producer Number (NPN) and look it up at nipr.com. Every licensed agent has one and should share it freely.
Do I have to buy something?
No. You can look at the plans, ask questions, and walk away.
What if I don't want calls?
Tell me and I will stop. You can say so on a call, or reply STOP to any text.