Independent · Licensed · No lead lists
You know how it goes: you ask one website for a quote and thirty agents call you for a month. Here, you see honest ballpark pricing first — then, only if you want, you talk to one licensed advisor. That's the whole model.
No email. No phone number. No call center.
Free instant estimate
Answer four quick questions. We'll show you a realistic monthly range for $0-deductible-style private plans — before you talk to a single person.
Sound familiar?
Most quote sites exist to sell your contact info. The moment you hit submit, your number is on a lead list being auctioned to agents across the country.
Every site demands your name, email, and phone before it shows you a single dollar figure. You shouldn't have to sign up for a sales call just to see a price.
ACA plans pool everyone at the same rate no matter their health. If you rarely see a doctor and earn too much for subsidies, you're likely paying far more than you need to.
Coverage costs are climbing
Public and employer plans price everyone as one big pool — and the pool is getting expensive. If you're healthy, you don't have to ride the wave: private coverage is priced on your health, not the whole pool's.
median premium increase proposed by ACA marketplace insurers for 2026 — the largest since 2018
projected jump in employer plan costs for 2026 — the biggest increase in 15 years
what employer coverage is projected to cost per employee in 2026
Sources: KFF analysis of 2026 insurer rate filings; Mercer, Aon & Business Group on Health employer surveys.
The honest part
All coverage is different, and different coverage fits different people. Your age, health, income, and how you actually use care decide what "the right plan" means — and sometimes the right answer isn't even ours. Here's the honest map:
Self-employed, contractors, small business owners, and families with little or no ACA subsidy. Underwriting rewards good health with lower rates the marketplace can't match.
If your income puts you in the highest subsidy band — or you have conditions that need guaranteed-issue coverage — the ACA marketplace is genuinely your best deal. We'll say so.
A well-subsidized group plan is hard to beat for the employee. But most employers pay little or nothing toward spouses and kids — which is how family coverage at work balloons to $800–$1,200+ a month. The winning move is often: keep your plan, quote the family privately.
Open enrollment for ACA marketplace plans runs November 1 – December 15 in most states (some state-run exchanges extend to December 31). Miss it, and you can only sign up through a Special Enrollment Period — which requires a Qualifying Life Event, generally within the last 60 days: losing other coverage, getting married or divorced, a new baby or adoption, or moving to a new coverage area.
Private coverage has nothing to do with open enrollment. No window, no deadline, no qualifying life event required — you can apply in July exactly as easily as in November, and coverage often starts within days of approval.
Our promise
The industry is built to overwhelm you into a rushed decision. We built this the other way around: numbers first, privacy respected, and one person who actually knows your situation.
When you're ready, your details go to a single licensed advisor — not a call center. One person, fully prepared before the phone ever rings.
Most insurance sites make their money selling your contact info to dozens of agencies. We don't sell leads — your number stays with your advisor and nowhere else.
Your advisor works for you, not a carrier — no quotas, no push toward a particular plan. If your employer plan or an ACA plan is genuinely your best option, that's exactly what you'll hear.
Some of the best private options never show up on quote sites or the marketplace — they're only available through licensed advisors. Your advisor compares those alongside marketplace and employer plans, so you see the whole board.
How it works
Use the estimator above to see what $0-deductible-style private coverage typically costs for your household. No name, no email, no phone.
If the numbers look good, share your details once. They go to one advisor who reviews your situation before reaching out. One call — never a barrage.
Your advisor walks you through exactly what's available in your state. If nothing beats what you have, they'll say so. No pressure, no quota — just clarity.
What clients say
"Hell man as easy as you made everything, of course I'm sending people straight to you! Thank you again!"
"I really appreciate it. I've been telling everyone about you so you should be getting some calls."
"I told everyone how good of a help you were, thank you so much."
Had a good experience? Leave us a Google review — it means a lot.
Is this you?
The people who save the most with private coverage share a few things. If even a couple of these sound familiar, the 10-minute call is worth it.
100% confidential · Under 10 minutes · Zero obligation
Ready when you are
Share your details once. They go to one licensed advisor — never a lead list — who reviews your situation before one 15-minute call.
★★★★★ No spam calls · Your info stays private
Common questions
Yes — with private plans. ACA marketplace plans are locked to open enrollment (Nov 1 – Dec 15 in most states) unless you have a Qualifying Life Event like losing coverage, getting married, or having a baby. Private plans sold outside the marketplace enroll year-round: no window, no deadline, no life event required.
For healthy people who don't qualify for big subsidies — very often, yes. Private plans are medically underwritten, so healthy applicants are priced in a smaller, healthier risk pool instead of paying the same rate as everyone else. With marketplace insurers proposing a median 18% premium increase for 2026, that gap is widening. If you do qualify for large subsidies, the marketplace can win — and we'll tell you when it does.
It depends on your health and income. Self-employed people and 1099 contractors who are reasonably healthy and earn too much for meaningful subsidies usually do best on underwritten private coverage. If you have significant health conditions or subsidy-qualifying income, a marketplace plan is often the better fit. A 10-minute call with a licensed advisor sorts out which side you're on.
No. The estimator asks for no name, no email, and no phone number — you can see a realistic price without telling us who you are. If you choose to request a real quote, your info goes to exactly one licensed advisor. We never sell leads. Ever.
People with significant pre-existing conditions (private plans are medically underwritten), households that qualify for large ACA subsidies, and employees whose employer covers most of their family's premium. If that's you, your advisor will say so and point you to the better option — no pressure, no quota.
One 15-minute call with one licensed advisor who has already reviewed your details. You'll see what private plans cost for your household, how that compares to marketplace or employer options, and exactly what is and isn't covered. 100% confidential, zero obligation — if nothing beats what you have, you'll hear that too.