Free · No obligation · All 50 states
Health coverage
you actually own.
Freelancers, gig workers, self-employed. If you don't have employer insurance, we compare every available plan — at no cost to you.
Freelancers, gig workers, self-employed. If you don't have employer insurance, we compare every available plan — at no cost to you.
Average premium increase for the 22M Americans who had enhanced subsidies in 2025 — KFF
People projected to drop ACA coverage in 2026, many going uninsured — Urban Institute
What it costs to compare your options. Subsidies still exist for qualifying households.
You work for yourself, or between jobs, or part-time. We specialize in exactly this gap.
Variable income makes subsidy planning tricky. We match you with plans that flex around your earnings and minimize your tax-time risk.
If your employer calls you a "contractor," they're not covering your health. ACA plans exist specifically for this situation.
Too young for Medicare, too expensive without subsidies. This group took the hardest hit in 2026. We know every option available.
COBRA is usually overpriced. A Marketplace SEP plan is often 60–70% cheaper. You have 60 days from losing coverage to act.
No group plan. You may qualify for ACA subsidies and a self-employed health insurance deduction that stacks your savings.
Family size and income both affect what you pay. We run the numbers across every available plan to find what actually saves you money.
Three steps from form to enrolled. No jargon, no pressure.
No SSN. No medical history. Just the basics — who needs coverage, your situation, income range, and zip code.
A real person reviews your situation, walks through every option, and finds any subsidies you still qualify for.
No pressure. Pick the plan that fits your budget. We handle the paperwork. Coverage can start as soon as next month.
Not tied to one carrier. We compare across all available options to find the right fit.
Bronze, Silver, Gold, and Platinum tiers. Covers all 10 essential benefits. Cannot deny for pre-existing conditions. Subsidies available for incomes 100–400% FPL.
Lower premiums for healthy adults between jobs or waiting for open enrollment. Flexible start dates, no enrollment period required. Not ACA-compliant.
High-deductible plan paired with a Health Savings Account. Triple tax advantage — and HSA contributions can reduce your MAGI to increase subsidy eligibility.
Lump-sum cash benefits for covered events like cancer, stroke, or accidents. Pairs with HDHPs to fill gaps. Does not replace major medical coverage.
From freelancers to early retirees — here's what they found.
"My premium tripled when subsidies expired. They found me a Silver plan for $40 less per month than I paid in 2025. I had no idea I still qualified."
"Left my corporate job to consult and had no idea what to do. The agent explained everything — subsidies, deductibles, HSAs. Enrolled in 20 minutes."
"62 years old, retired early, completely panicked about 2026 premiums. They found me better coverage than my old employer plan. Couldn't believe it."
Two minutes to see your real options. No jargon. No pressure. Just a licensed expert and your actual choices laid out clearly.