Trades & contractors
Income moves with the season, and a group plan was never on the table.
Licensed advisors in all 50 statesReal health coverage.
Real health coverage.
Reviewed by a person.
Not a call center.
Private PPO plans you can apply for any day of the year — with pre-existing conditions covered. Tell us what you need and one licensed advisor reviews it with you. Real options. Real advisors. Zero pressure.
- Pre-existing conditions covered
- Nationwide PPO doctor and hospital networks
- Apply any day of the year — no enrollment window
- One licensed advisor, not a call center
- No pressure and no obligation to enroll
Free plan review
Step 1 of 5
Let's find your coverage
Start with your state.
Secure & confidential Takes about 30 seconds
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States with licensed advisors
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Days a year you can apply
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Advisor who calls you — not a call center
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Pressure to take a plan you don't want
Plans from nationally recognized carriers
The Honest Comparison
Stop overpaying for coverage that barely covers you.
Here is the same healthy applicant, priced two ways. We are not hiding the trade-offs — if a subsidized Marketplace plan is cheaper for you, an advisor will tell you that on the call.
What people actually pay
Typical Marketplace$750/mo
Unsubsidized bronze-tier premium, $5,000+ deductible.
Pre-existing conditions covered
American Healthcare Choice$300/moUnderwritten PPO coverage for a healthy applicant.
Save ~$450/mo — that’s over $5,400 a year back in your pocket.
Actual premiums, deductibles and benefits vary by age, location, health history and the plan selected.
Line by line
Best ValueMonthly premium
Marketplace
$750/mo
Us
$300/mo
Deductible
Marketplace
$5,000–$9,000+
Us
As low as $0
Telemedicine
Marketplace
~$50 a visit
Us
Often $0
Doctor & specialist visits
Marketplace
$50+ copays
Us
Low or $0 copays
Out-of-pocket max
Marketplace
$18,000+
Us
~$3,000
Co-insurance
Marketplace
Often 40% on you
Us
Up to 100% covered
Doctor networks
Marketplace
Narrow local HMOs
Us
Broad nationwide PPOs
Enrollment window
Marketplace
6 weeks a year
Us
Any day of the year
What moves the price
What actually moves the price.
Tap an answer and watch both sides move.
How the two sides move
- Marketplace, unsubsidized
- $640/mo
- Private PPO, underwritten
- $275/mo
Monthly difference
-$365/mo
Review My Plan
For education only. Not your rate, an offer of coverage, or an eligibility decision.
How it works
Find My PlanFour steps, and you can stop at any of them.
Five short questions: your state, who needs coverage, whether pre-existing conditions are in the picture, and how soon you need it. About thirty seconds.
Who we serve
Find My PlanBuilt for people whose work does not come with benefits.
If nobody hands you an enrollment packet in November, this is the route most people in your situation end up taking.
Drivers & owner-operators
You cross state lines every week — your network should too.
Travel nurses & healthcare staff
Contracts end, coverage lapses, and the next assignment starts in a different state.
Restaurant & hospitality owners
A small team, thin margins, and nobody to hand the benefits problem to.
Self-employed & freelancers
No HR department, no open enrollment, no one checking whether you are covered.
Families
Four people, four sets of needs, and one premium that has to make sense.
Small business owners
Too few employees for a group plan, too many people depending on you.
Consultants
Between contracts is exactly when a lapse in coverage costs the most.
Realtors
Commission income makes a fixed monthly premium a real decision.
Gig & rideshare workers
The platform does not cover you, and the marketplace window closed in January.
Entrepreneurs
Every dollar is working somewhere else. Coverage still cannot be the gap.
Early retirees
Retired before 65, and Medicare is still years away.
Part-time & seasonal
Hours that never quite reach the threshold your employer set for benefits.
Construction crews
Physical work, real risk, and coverage that ends the day the job does.
Long-haul truckers
A local HMO is useless three states from home.
Between jobs
COBRA hands you the full unsubsidized premium the week you can least afford it.
Coverage by state
Licensed advisors in all 50 states.
Hover or tap your state. Plan availability, carriers and pricing all change at the state line — so the page you land on talks about yours specifically.
Pick a state
Hover or tap your state
Every state has its own carriers, its own network shapes and its own quirks. We will show you what matters in yours.
What a call with an advisor actually sounds like.
- Network check
“I called about a plan I had already picked out and the advisor talked me out of it. She said the network did not include the hospital ten minutes from my house. I would never have checked.”
- Off-cycle
“My contract ended in March, which the Marketplace does not care about. Being able to apply in the middle of the year was the whole reason this worked.”
- Pre-existing conditions
“I said up front that I have a condition I need covered. Nobody got cagey about it — they just told me which direction that pushed things and why.”
- Sent elsewhere
“He worked out that I would qualify for a subsidy and told me to go to the Marketplace instead. He did not make a cent from that call.”
- After a layoff
“COBRA wanted more than my mortgage. One call, two real alternatives, and an honest note about what each one gives up.”
- Small business
“I run a four-person shop. I was told for years I was too small for a group plan and nobody ever offered me a second option until this call.”
- Keeping a doctor
“The first thing she asked was which doctors we wanted to keep. Not my budget. That told me a lot about how the rest of the call would go.”
- Before 65
“Retired at 61 and found out what four years without Medicare actually costs. Having someone lay out the bridge options in plain English was worth the half hour.”
- Gig work
“I drive for two platforms and neither of them covers me. I had assumed I had to wait until November to do anything about it.”
- Prescriptions
“He told me straight out that one of my medications would not be covered the way I wanted on the plan I was asking about. Nobody had mentioned that before.”
- Family coverage
“Three kids, two of them in sports, and I wanted to know what an urgent care visit actually costs. We went line by line until I understood it.”
- Seasonal income
“My work is seasonal so my income is not. She built the comparison around what the months with no work look like, not the good months.”
- No pressure
“I was ready to be sold to and it never happened. He answered the questions, sent me the details, and left the decision with me.”
- Understanding the plan
“The deductible number is the one everybody talks about. She was the first person to explain what the out-of-pocket maximum meant for us instead.”
Hover or focus the row to pause it.
One last thingThirty seconds now.
Thirty seconds now.
One honest call later.
No payment details, no login, no credit check, and no obligation to enroll in anything. Just your state, who needs covering, and where to reach you.
- Licensed advisors in all 50 states
- Pre-existing conditions covered
- Apply any day of the year
Free plan review
Step 1 of 5
Let's find your coverage
Start with your state.
Secure & confidential Takes about 30 seconds