Family health insurance — compared by what you'll actually spend, not just the sticker price.
A $400/mo family plan with a $16,000 deductible costs more than a $650/mo plan with a $4,000 deductible — if anyone gets sick. Your agent compares total cost (premium + deductible + OOP max) across 6+ carriers, checks the "family glitch," and finds the cheapest way to cover everyone.
The things nobody tells you — until it costs you money.
The ACA affordability test uses employee-only cost — not family cost. Your employer plan may be "affordable" for you ($200/mo) but costs $1,200/mo to add your family. Your agent checks if you can split: employer for you, marketplace for family.
For families, Silver plans with Cost-Sharing Reductions (CSR) often have lower total cost than Bronze, despite higher premiums. Your agent models both scenarios.
Children's Health Insurance Program (CHIP) provides free or low-cost coverage for kids in families earning up to 200–300% of poverty level. Your agent checks CHIP eligibility before marketplace enrollment.
A $16,000 family deductible means you pay $16,000 before insurance covers anything (except preventive care). Your agent compares plans by total potential cost — not just monthly premium.
This page is for you if:
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions.
The ACA tests affordability using employee-only premium cost — not the cost to add your family. If adding your family costs $1,200/mo but the employee-only cost is $200/mo, the plan is "affordable" and your family may not qualify for marketplace subsidies. Your agent checks if splitting coverage is cheaper.
Depends on your income. If you qualify for Cost-Sharing Reductions (CSR) on a Silver plan, your deductible and copays drop significantly — making Silver cheaper in total cost despite higher premiums. Your agent models both.
Possibly. CHIP provides free or low-cost coverage for kids in families earning up to 200–300% of the federal poverty level (varies by state). Your agent checks eligibility before marketplace enrollment.
Yes — this is called "splitting coverage" and it's often the cheapest option when employer plans have expensive family tiers. Your agent compares all scenarios.
Total cost = (monthly premium × 12) + family deductible + out-of-pocket max. A $400/mo plan with a $16,000 deductible can cost up to $20,800/year if anyone gets sick. A $650/mo plan with a $4,000 deductible caps at $11,800. Your agent calculates the real number.
No. One brokerage, not a lead-gen site. BBB A+ rated.
100% free. Carriers pay us a flat commission.
12 minutes. Real savings.
Your agent compares total cost across 6+ carriers. One call, $0 fee.
(866) 605-0702