See if you qualify for private rates in under 60 seconds.
STEP 1 OF 8
Frequently Asked Questions
Is this really free? +
Yes. Our matching service is free. We're paid by the insurance carriers and licensed agents in our network when we help match you with coverage — never by you.
Who qualifies for private health insurance? +
Private plans are underwritten — meaning carriers select who they cover. Most U.S. residents between 18 and 64 with household income above $40,000 can be considered, regardless of open enrollment dates. Pre-existing conditions don't automatically disqualify you.
How is this different from HealthCare.gov / ACA? +
ACA Marketplace plans use open enrollment and accept everyone. Private underwritten plans are selective — which is why premiums can be significantly lower for those who qualify. They are not ACA-compliant and are designed for healthier applicants who want lower monthly costs without subsidies.
Will my information be shared with spammers? +
No. We verify every applicant via SMS one-time passcode (the 6-digit code) and only share your information with the licensed agent matched to your request. We use bank-level 256-bit SSL encryption.
How fast will an agent call me? +
After you verify your code, a licensed agent typically reaches out within 1–5 minutes during business hours (9 AM – 9 PM ET, Mon–Sat).