How It Works
Three steps between you and better health insurance. The whole thing takes about 30 minutes completely free to you.
Book Your Free Consult
Pick a 30-minute slot that works for you on our calendar. We meet virtually over Zoom or phone your choice. No driving to an office, no waiting room, no "let me check with my manager."
You'll be matched with a licensed coverage advisor not a salesperson on commission for one carrier. We work for you.
- ✓ Round-robin booking fastest available advisor
- ✓ Evenings & weekends available
- ✓ No credit card, no commitment
- ✓ Bring questions that's what we're here for
We Compare Every Carrier
During the call, we'll run your zip code, age, household size, and income through every major carrier's plans in your area ACA marketplace, Private, ancillary, and group options if you're a small business owner.
You see everything side by side: premium, deductible, network, prescriptions, max out-of-pocket. No bias, no upselling, no "have you considered..."
Carriers we compare include:
Blue Cross Blue Shield, Aetna, UnitedHealthcare, Cigna, Humana, Oscar, Molina, Ambetter, Kaiser Permanente, Anthem plus regional and Private-plan carriers most brokers don't touch.
Enroll & Relax
Once you pick a plan, we handle the enrollment paperwork ourselves. You'll get a confirmation, your member ID, and direct line back to your advisor not a 1-800 hold queue.
When life changes (new job, baby, move, mid-year medical event), call your advisor. We're a year-round broker not an open-enrollment-only service.
After enrollment, we handle:
- • ID card & member portal setup
- • Renewal reviews each year
- • Life-event special enrollment
- • Claim questions & appeals
- • Plan changes if rates jump
Common Questions
How can this be free?+
Health insurance carriers pay licensed brokers a small commission baked into every plan whether you use a broker or buy direct. There's no "broker fee" added. You pay the exact same price either way; we just do the comparison shopping for you.
Do I have to switch plans if I work with you?+
Nope. If your current plan is the best option for you, we'll tell you. We've sent plenty of people home with "stay where you are." Our reputation depends on being right, not on closing every call.
What if I'm not eligible for an ACA subsidy?+
We'll show you non-ACA options that fit. Private plans, indemnity plans, healthshares, short-term coverage there are real choices outside the marketplace, and we'll explain the tradeoffs honestly.
Can I do this outside open enrollment?+
If you've had a qualifying life event (lost a job, moved states, had a baby, got married, aged off a parent's plan), you have 60 days for a special enrollment. Outside that window we can still set you up with a Private plan or short-term coverage.