Question 1 of 5
Question 1 of 5
What best describes your income situation?
This determines subsidy eligibility the biggest cost driver
I earn under $60K/yr (single)
Or under $125K for a family of 4
I earn $60K–$100K (single)
Or up to $200K family of 4
I earn over $100K (single)
Subsidy likely won't apply
I'm not sure
We can figure it out together
Question 2 of 5
How are you coming to health insurance right now?
Timing matters more than most people realize
Open Enrollment (Nov–Jan)
I'm shopping during the annual window
Life event (job loss, birth, move)
Qualifying event → Special Enrollment Period
No qualifying event just need coverage
Outside of Open Enrollment, no recent life change
Lost job-based coverage recently
COBRA feels expensive looking for options
Question 3 of 5
Do you have pre-existing conditions or upcoming procedures?
This changes which plan type is appropriate significantly
No generally healthy
No current conditions or known procedures
Yes ongoing condition(s)
Diabetes, hypertension, thyroid, etc.
Planned surgery / procedure soon
Already scheduled or expecting major care
Mental health / specialty care
Regular therapy, psychiatry, or specialist visits
Question 4 of 5
What matters most to you in a plan?
Pick your single biggest priority
Lowest possible monthly cost
I'll accept more out-of-pocket risk
Keeping my doctors
Network matters more than price
Catastrophic protection
I want a cap on what I'd ever owe
Balance of cost and coverage
Not the cheapest, not the most expensive
Question 5 of 5
Who needs coverage in your household?
Including dependents significantly changes your options
Me + spouse / partner
Two adults, no kids
Family with children
Kids add essential benefit requirements
Single parent household
Me + kids, managing solo
