The cheapest premium isn't the cheapest plan.
Your agent compares total cost - premium + deductible + OOP max - across BCBS, UHC, Aetna, Cigna & more. Most callers save $200–400/mo. $0 fee.A $200/mo plan with a $9,000 deductible costs more than a $320/mo plan with a $2,000 deductible. Your agent compares total annual cost across BlueCross, UHC, Aetna, Cigna, Ambetter & Humana. Most callers save $200–400/mo. Free, $0 fee.
The people on the other end of the line.
No call center, no overseas team - just our in-house licensed agents. Whoever picks up stays with you for the entire call.
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.
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.
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.
Total cost - premium + deductible + OOP max - across 6+ carriers, side-by-side. Pick a plan, enroll on the same call.
Twelve minutes. Here's the script.
We tell you exactly what your agent will ask, so you know what to have in front of you before you pick up.
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.
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, 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.
PPO-style flexibility within a defined network. No referrals, but no out-of-network coverage.
Healthcare.gov sorts by premium. We sort by what you'll actually pay.
A $200/mo plan looks cheap - until you hit the $9,000 deductible. Your agent compares total annual cost, checks your doctor's network, and verifies your prescriptions are on formulary. No forms, no spam.
Compare my plans → (866) 605-0702What a 12-minute call actually saved these people.
"I was picking between 200 plans on Healthcare.gov and completely frozen. The agent narrowed it to 3 and I saved $340/mo vs. what I almost picked."
"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 $6,000 a year."
"The cheap plan I almost picked had a $9,000 deductible. The agent showed me one that was $60/mo more but saved $7,000 in total cost. Nobody else explained that."
"I started this in 2014 after getting burned by a quote-form site when I was uninsured between jobs. We're the brokerage I wished existed then - one call, one licensed agent, real plans, no spam."
Common questions, plain answers.
Total cost = premium + deductible + out-of-pocket max. Most adults we help pay $180–$480/mo after subsidies. A $200/mo plan with a $9,000 deductible costs more than a $320/mo plan with a $2,000 deductible. Your agent compares total cost, not just the sticker price.
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 - most people are surprised.
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 covered, we tell you upfront.
Both. Our agents shop marketplace plans (where you get subsidies) and off-exchange private plans. 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. Call now - coverage can start the 1st of next month.
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. BBB A+ rated.
100% free to you. Carriers pay us a flat commission - the same amount regardless of which plan you pick. Zero incentive to push one carrier over another.
12 minutes. Real savings.
Most callers qualify for subsidies they didn't know about. One call, one agent, $0 fee.
(866) 605-0702