HealthPlanPrivate Insurance Marketplace
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Healthy? Stop Overpaying for Everyone Else's Medical Bills

Rates Based on Your Health
Premium Networks
Under 2 Min
Step 1 of 90%
What is your ZIP code?
We'll check plan availability in your area.
Enter a valid 5-digit ZIP code
How many people need coverage?
Include yourself and any dependents.
How old are you?
Age is used to determine plan eligibility and pricing.
Enter a valid age (18-99)
Is anyone in your household currently pregnant?
This may affect plan eligibility and coverage options.
Any pre-existing conditions?
Diabetes, heart disease, asthma, cancer history, etc.
Private plans use health-based underwriting. Pre-existing conditions may affect eligibility — your advisor will review your specific situation.
What is your annual household income?
Private plans are designed for households above marketplace thresholds.

You May Qualify for Marketplace Coverage Instead

Based on your household income, you may be eligible for subsidized marketplace plans. Private plans are typically a better fit for households earning above $40,000/year.

If you entered your income incorrectly, you can go back and update it.

What is your name?
So your advisor can prepare a personalized plan comparison.
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Where should we send your plan comparison?
We'll email a side-by-side breakdown of your best private plan options.
Enter a valid email
We will never sell or share your email. Unsubscribe anytime.
What's the best number to reach you?
Your licensed advisor will call to walk through your plan options.
Enter a valid 10-digit number
We will never sell your number. One call — that's it.
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A licensed advisor is reviewing your information and will call you shortly with your personalized private plan comparison.

Most calls happen within 5 minutes during business hours (Mon-Fri, 9AM-8PM EST).
Why Private Insurance
Private Plan
Marketplace
Risk Pool
Healthy applicants only
Risk Pool
Must accept everyone
Your Premiums
Based on your health
Your Premiums
Inflated by sick pool
Provider Networks
Broad PPO access
Provider Networks
Narrow / HMO
Specialist Access
Direct referrals
Specialist Access
Gatekeeper required
Who It's For
Healthy, active people
Who It's For
Anyone regardless of health
Trusted Nationwide
HIPAA
Encrypted
Licensed
50 States
47K+
Families Enrolled
4.8
Avg Rating
92%
Renewal Rate
★★★★★

"I'm healthy, I work out, I don't smoke — and I was paying $740/mo on a marketplace plan subsidizing people with chronic conditions. My private plan is half that with better coverage."

— David M., Orlando FL Verified
★★★★★

"I didn't realize I was overpaying until my advisor showed me what private plans cost for someone in good health. Same doctors, better network, significantly lower premium."

— Sarah K., Dallas TX Verified

This is a solicitation of insurance. A licensed insurance agent may contact you. Plans are underwritten by licensed carriers. Availability and premiums vary by state, age, income, health status, and other factors. Not affiliated with any government agency or the Health Insurance Marketplace. Private health insurance plans use medical underwriting and may deny coverage based on health history.

By submitting, you consent to being contacted by a licensed agent at the number provided, including by autodialer. Consent is not a condition of purchase.

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