Tell us what you need.
A person takes it from there.
This is the same review whether you arrived from a comparison page, a state page, or the front door. Five questions, one advisor, no obligation to enroll in anything.
Your answers are read by a licensed advisor before anyone dials. If a Marketplace plan, Medicaid or an employer plan is the better deal for you, that is what you will be told.
- No fee for the review, ever
- No SSN, date of birth or payment details
- Pre-existing conditions covered
- One licensed advisor calls — once
Free plan review
Step 1 of 5
Let's find your coverage
Start with your state.
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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
Exactly what this review is, and is not.
- What it costs
- Nothing. There is no fee for the review.
- How long it takes
- About thirty seconds for the survey, one call afterwards.
- What we ask for
- Your state, household size, whether conditions need covering, timing, and how to reach you.
- What we never ask for
- Social security number, date of birth, income, payment details, or a login.
- Who calls
- One licensed advisor. Not a bank of dialers, and never a third-party buyer.
Four 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.
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.
The questions people are afraid to ask.
Including the ones where the answer is “this is not for you”.
What is a private PPO plan, and how is it different from a Marketplace plan?
A Marketplace (ACA) plan is guaranteed-issue: anyone can buy it during open enrollment regardless of health, and the price is set by age and location rather than health history. A private PPO plan is medically underwritten — the carrier asks health questions and decides whether to offer coverage and at what price. That trade-off is why private plans can be cheaper for healthier applicants and can offer much broader nationwide networks, and why they are not the right answer for everyone.
Can I really apply at any time of year?
Yes. Because private plans are underwritten rather than guaranteed-issue, they are not tied to the annual open enrollment window or to a qualifying life event. You can start a review in February or in August. If you do have a qualifying life event, an advisor will still tell you whether a Marketplace special enrollment period would serve you better.
What happens if I have a pre-existing condition?
You should say so — the survey asks about it in step three for exactly that reason. Conditions can be covered, and honest information from the first minute is what lets an advisor find an option that actually works rather than one that falls apart at underwriting. Depending on the condition, underwriting may affect the price, the carrier, or whether a private plan is the right route at all. If a guaranteed-issue Marketplace plan is the better fit, we will say so.
How do the doctor networks work?
Most private plans in this space use broad nationwide PPO networks, which means you can generally see providers in any state without a referral, and you keep coverage when you travel or move. Marketplace plans increasingly use narrow local HMO networks tied to one county or hospital system. Before you enroll in anything, check that your own doctors and your nearest hospital are in the network — a good advisor will check that with you on the call.
What does the deductible actually mean for me?
The deductible is what you pay out of pocket before the plan starts sharing costs. A high deductible lowers your monthly premium but raises your exposure in a bad year; a low deductible does the reverse. Many private PPO plans also pay copay-based benefits — doctor visits, telemedicine, labs — before the deductible is met, which matters more day to day than the deductible number itself.
What actually happens after I submit the survey?
Your answers go to one licensed advisor, who reads them and works out what is genuinely available to someone in your state and situation. Then you get one call. They explain the real options, what each one does not cover, and what it would cost. You are not enrolled in anything by submitting the survey, and nothing is bound until you say yes.
Will I be called repeatedly, or have my details sold?
No. Your information goes to one licensed advisor — not into a lead auction and not to a bank of dialers. It is never sold to third parties. If you tell the advisor you are not interested, that is the end of it.
What determines what I will pay?
Age band, the state and county you live in, how many people need coverage, your health history at underwriting, how broad a network you want, and where you set the deductible. The cost explorer on this page shows how those variables push the number in either direction. None of it is a rate until a carrier underwrites your actual application.
Who is not a good fit for this?
If you qualify for Medicaid, take Medicaid. If your household income puts you in range of a substantial ACA subsidy, a Marketplace plan is usually cheaper than anything private. If you are mid-treatment for a serious condition, staying on COBRA or an employer plan often protects continuity of care in a way a new underwritten policy will not. We would rather tell you that than sell you something worse.
Is this insurance advice?
The site is educational. The plan conversation happens with a licensed insurance advisor, who is the person authorized to discuss specific plans, benefits and eligibility with you. This site does not provide medical, legal or tax advice, and nothing here guarantees eligibility, approval or a particular rate.