Whether you're between jobs, raising a family, running a business, or about to turn 65, we'll help you compare every option, claim every subsidy you qualify for, and pick the plan that actually fits.
A quick guide to the kinds of health coverage we shop for clients every day.
Comprehensive, ACA-compliant individual and family plans through the federal and state marketplaces. We'll calculate your subsidy and compare every metal tier (Bronze, Silver, and Gold) across every carrier in your area.
Lost coverage from a job? Going independent? We specialize in helping freelancers, business owners, and 1099 professionals find affordable coverage that doesn't compromise on doctors or hospitals.
Bridge a coverage gap between jobs, during life transitions, or during a Special Enrollment window. Lower premiums, fewer benefits. We'll tell you when it's the right call and when it isn't.
Build a benefits package that helps you attract talent without breaking the budget. From 2-employee groups to 50+, we shop level-funded, fully-insured, and association options for you.
Round out your coverage with affordable add-ons. Stand-alone dental and vision, hospital indemnity, accident, critical illness: the gaps you don't realize you have until you need them.
Pair a high-deductible health plan with a Health Savings Account to get tax-free dollars for medical spending, plus a long-term retirement health fund. Smart for healthy families and self-employed pros.
Most middle-income Americans qualify for ACA premium subsidies, and many don't even realize it. We'll calculate exactly what you'd save in minutes, free.
Most clients see savings of $2,400–$8,400 / year. Send us your household size and ZIP and we'll get you an exact number the same day.
Not necessarily. A "qualifying life event" (losing job-based coverage, marriage, divorce, having a baby, moving) opens a 60-day Special Enrollment Period on the marketplace. Off-exchange and short-term plans are also available year-round.
PPO (Preferred Provider Organization) - A plan that offers the most flexibility, allowing visits to both in-network and out-of-network doctors without referrals. Typically comes with higher monthly costs but greater provider access.
EPO (Exclusive Provider Organization) - A plan that does not require referrals to see specialists but requires care to be received within a network of doctors and hospitals in order to be covered.
HMO (Health Maintenance Organization) - A plan that requires selecting a primary care doctor and getting referrals to see specialists, while limiting coverage to a specific network of providers. Usually offers lower monthly premiums.
Metal tiers reflect how the cost is split between you and the insurer. Bronze plans have lower premiums and higher deductibles; Gold plans the opposite. Silver plans qualify for cost-sharing reductions if your income is in the right range, often the smartest pick.
Yes, in most cases. Many health plans use PPO networks that include the majority of doctors and hospitals. We'll confirm your doctor is in network before recommending a plan.
A Health Savings Account is a triple-tax-advantaged vehicle: contributions are deductible, growth is tax-free, and withdrawals for medical expenses are tax-free. If you're healthy and pair it with an HSA-eligible plan, it's one of the best tax shelters in the U.S. tax code.
