Individual plans
Coverage in your own name, whether you're between jobs, aging off a parent's plan, or retiring before Medicare.
Get a quoteSelf-employed and 1099
Self-employed? Get a plan that fits how you earn.
Freelancers, drivers, contractors, and owner-operators buy individual coverage every day. Many qualify for financial help based on projected income. We'll help you estimate it carefully.
- Plans for you alone or your whole household
- Help projecting variable income for subsidy purposes
- Year-round help when your income or household changes
NPN 19813697Licensed agency
31 statesLicensed states
$0Cost for our help
Carriers we work with
Marketplace and private-market carriers in your area
Carrier availability varies by state and county.
Variable income is normal. It just needs a careful estimate.
Marketplace financial help is based on the income you expect for the coverage year, not last year's. If your income swings, we'll walk through a realistic projection with you and explain how to update it during the year so you don't get surprised at tax time.
Self-employed people may also be able to deduct health insurance premiums. Ask your tax preparer how that applies to you.
Plans we help with
Coverage for every stage of life and business
One team, every kind of health plan. Pick what fits and we'll price it with the carriers in your area.
Family plans
One plan for the whole household or the right mix. We line up networks and deductibles so everyone's doctors are covered.
Get a quoteSelf-employed and 1099
Drivers, freelancers, contractors, and owner-operators. We help you project changing income so your tax credit comes out right.
Get a quoteMarketplace (ACA) plans
HealthCare.gov and state marketplace plans. The only plans that come with premium tax credits, and pre-existing conditions are always covered.
Check what I qualify forPrivate market plans
Plans bought straight from carriers. Worth a look if you earn too much for financial help or want a different network.
How they compareBusiness and group
Group health for a two-person shop or a full company. We price options across carriers and set it up with you.
Price a group planNeed more than health insurance?
Add dental and vision to your health plan or buy them on their own. Some of our plans include a basic life benefit, and for a full life insurance policy we connect you with a licensed life insurance agent we trust.
- Dental
- Vision
- Life insurance
Open Enrollment 2027
Open Enrollment for 2027 coverage opens November 1
On HealthCare.gov, Open Enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1. Some state-run marketplaces use different dates.
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Why people choose us
Licensed, independent, and on your side
We aren't tied to one carrier, we never sell your information, and our help costs you nothing.
10+Years of experience
2,000+Individuals and families helped
100+Businesses helped
31States licensed
- $0 cost for our help
- 4 languages
- Callback within one business hour
Your options
The Marketplace isn't your only option
We compare both sides so you see everything you qualify for, not just one store's shelf.
Marketplace plans
Plans sold through HealthCare.gov or your state's marketplace. This is the only place to get premium tax credits that lower your monthly bill.
Private market plans
Plans bought directly from carriers, outside the Marketplace. They can make sense if you don't qualify for financial help or want a different network.
How it works
From first question to covered, in four steps
- 1
Tell us the basics
Two minutes: who needs coverage, your ZIP code, and how to reach you.
- 2
Talk it through
A licensed agent calls you within one business hour, in your language, to go over your doctors, prescriptions, budget, and estimated income.
- 3
Compare side by side
Plans ranked on what you'd really spend in a year: premium after any tax credit, deductible, doctors, and prescriptions.
- 4
Enroll and stay covered
We help you finish the application and stay your agent for renewals, life changes, and billing questions.
For business owners
Want to offer health benefits to your team?
Group plans for businesses of any size. Tell us how many people you employ and what you'd like to spend, and we'll come back with real numbers from the carriers in your area.
Refer & earn
Help someone you know get covered
Share your personal link. When someone you refer completes a free plan review with our team, we send you a thank-you of $100, whether or not they buy anything.
- 1
Get your link
Tell us your name and number. It takes 20 seconds.
- 2
Share it
Text it, post it, or send it to anyone shopping for coverage. Our licensed agents answer every plan question.
- 3
Get your thank-you
After their free review, we reach out to send yours. No limit on how many people you refer.
Your link is ready
Text it to a friendSave it somewhere handy. Anyone who requests a review through this link is credited to you.
Program details: one thank-you per referred person who completes a free review with one of our licensed agents, paid whether or not they enroll. The person you refer never receives payment or a discount for enrolling. You don't need to be a client to refer, and you shouldn't give plan advice; our licensed agents handle that. Not available where prohibited by law, and amounts may be limited by state rules. We may change or end the program at any time.
Our team
Licensed agents who speak your language
You work with one agent who knows your situation, and the rest of the team has their back. Ask for the language you're most comfortable in.
Josef
Founder
Chris
Licensed agent
Daniel
Licensed agent
Matt
Licensed agent
Jerry
Licensed agent
Licensed Not licensed
Covered through a licensed partner
Where we're licensed
Licensed in 31 states
If your state is highlighted, our agents can help you there. The full list is at the bottom of every page.
Live in a state shaded sand on the map? We'll connect you with a licensed partner agent at another agency.
Verify our license
Don't just take our word for it. Look up our National Producer Number with the NAIC's free license lookup, or check with your state's insurance department.
NPN19813697
The NAIC lookup covers states on its licensing system. Every other state's insurance department is linked from the NAIC directory.
Questions
Frequently asked questions
Does it cost anything to work with you?
No. Insurance carriers pay us when you enroll through us. Plan prices are set by the carrier and approved by regulators, so you don't pay more for having an agent.
Are you part of HealthCare.gov or the government?
No. We're a private, licensed insurance agency. We can help you compare plans and complete a Marketplace application, and you're always free to enroll on your own through HealthCare.gov or your state's marketplace.
Do you only sell Marketplace plans?
No. We compare Marketplace plans and private plans sold directly by carriers. Only Marketplace plans come with premium tax credits, so we start by checking whether you qualify, then show you what else is available.
Can you help my business?
Yes. We help businesses of any size compare group health plans for their employees. Rules and options depend on your state and how many people you employ, so tell us your headcount and we'll take it from there.
Can you help with dental, vision, or life insurance?
Yes. We quote dental and vision plans with your health plan or on their own. Some of our plans include a basic life benefit. For a full life insurance policy, we connect you with a licensed life insurance agent we trust. Check the boxes on the form or just ask when we call.
Can I get help in Spanish, Portuguese, or French?
Yes. Our licensed agents help clients in English, Spanish, Portuguese, and French. Pick your language on the form or tell us when you call or text.
Can I get help paying my premium?
Many households can. Premium tax credits are based on your projected household income and size for the coverage year. We'll help you estimate it; the marketplace makes the final determination when you apply.
When can I sign up for 2027 coverage?
On HealthCare.gov, Open Enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for a January 1 start. Some state-run marketplaces use different dates. Outside Open Enrollment, events like losing other coverage, moving, marriage, or having a baby can open a Special Enrollment Period, usually for 60 days.
Why did my premium go up, and will it change for 2027?
The extra federal subsidies that ran through 2025 expired, so many people saw higher bills in 2026. Standard premium tax credits are still available to many households earning between 100% and 400% of the federal poverty level, and prices and networks change every year. If you do nothing, you're usually re-enrolled automatically, so a quick review before December 15 is worth it.
Can I keep my doctor?
Often, yes, but it depends on the plan's network. We check your doctors, hospitals, and prescriptions before you choose, so you're not finding out after the fact.
I'm self-employed with income that changes. Is that a problem?
No. You'll estimate your income for the year, and you can update it with the marketplace if it changes. We'll help you build a realistic number.
What should I have ready for the call?
The names and birth dates of everyone who needs coverage, your best estimate of household income for next year, your doctors and prescriptions, and your current plan details if you have one.
How does the referral thank-you work?
Get your personal link in the Refer & earn section and share it. For each person who completes a free review with one of our licensed agents through your link, we send you a thank-you, whether or not they enroll. The person you refer doesn't receive any payment or discount. Not available where prohibited by law.
Will I get a flood of calls after I fill out the form?
No. Your information comes to us only. We don't sell it or pass it to other agents. You'll hear from our team, and you can opt out any time.
Ready to see your 2027 options?
Two minutes to start. A licensed agent follows up within one business hour.