200+ plans in your state. We recommend 3.
A licensed agent compares total cost - premium + deductible + out-of-pocket max - across BlueCross, UHC, Aetna, Cigna, and more. Most callers save $200–400/mo. Free, $0 fee.
Healthcare.gov shows you 200 plans. We show you the 3 that actually fit.
Plans from $180/mo after subsidies. Coverage starts the 1st of next month.
Your premiums may be 100% tax-deductible on Schedule 1. We'll check.
60-day Special Enrollment window. Don't freeze - we narrow 200 plans to 3.
Most callers save $200–400/mo. Same carriers, same networks, lower price.
Three steps. About twelve minutes.
Tap to call. A licensed agent picks up in under a minute. No phone tree, no hold music.
ZIP, ages, income range, your doctors and prescriptions. We check networks and formularies - the step Healthcare.gov skips.
Your agent compares total cost - premium + deductible + OOP max - across 6+ carriers. Pick a plan, enroll on the same call.
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.
PPO, HMO, EPO - in plain English.
Any in-network provider, no referrals. See specialists directly. Out-of-network covered at lower rates.
Pick a primary care doctor, get referrals for specialists. Care stays in-network. Lower monthly cost.
PPO-style flexibility within a defined network. No referrals, but no out-of-network coverage.
The cheapest premium isn't the cheapest plan. We do the math.
A $200/mo plan with a $9,000 deductible costs you more than a $320/mo plan with a $2,000 deductible - if you actually need care. Your agent compares total annual cost, checks your doctor's network, and verifies your prescriptions are covered. One call, one agent, no info sold.
Compare my plans → (866) 605-0702Real people. Real numbers.What a 12-minute call actually saved these people.
"I was picking between 200 plans on Healthcare.gov and completely frozen. Called these guys, the agent narrowed it to 3, and I saved $340/mo vs. what I was about to pick on my own."
"I didn't know I qualified for a subsidy - assumed I earned too much. Turns out I was eligible for $480/mo in tax credits. That one call saved me almost $6,000 a year."
"The cheap plan I almost picked had a $9,000 deductible. The agent showed me a plan that was $60/mo more but saved me $7,000 in total cost. Nobody else bothered to explain that."
Common questions, plain answers.
Total cost = premium + deductible + out-of-pocket max. Most adults we help pay $180–$480/mo after subsidies. But a $200/mo plan with a $9,000 deductible costs more than a $320/mo plan with a $2,000 deductible if you actually use it. Your agent compares total cost, not just the sticker price.
You'd be surprised - roughly 4 out of 5 marketplace enrollees qualify for some level of subsidy. Enhanced subsidies have expanded eligibility significantly. Your agent checks in real time based on your household size and income.
Often, yes. Your agent checks your doctor list and prescriptions against every plan's network and formulary before you enroll. If your doctor isn't in-network on any plan we offer, we tell you upfront - no surprises.
Both. Our agents shop ACA marketplace plans (where you get subsidies) and off-exchange private plans from major carriers. Whichever saves you the most - that's what we recommend.
Yes. Losing coverage triggers a 60-day Special Enrollment Period. You don't have to wait for open enrollment. The sooner you call, the sooner your new coverage starts.
100% free to you. Carriers pay us a flat commission - the same amount whether you pick BlueCross or Ambetter. We have zero incentive to push one plan over another. No fee, no obligation, hang up anytime.
No. We're one brokerage, not a lead-gen site. Your info stays with us. No follow-up spam, no drip campaigns, no selling your number to 12 agencies. BBB A+ rated, licensed in all 50 states.
12 minutes. Real savings.
Most callers qualify for subsidies they didn't know about. One call, one agent, $0 fee.
(866) 605-0702