Compare ACA marketplace health plans — and find out what you actually qualify for
Most households that buy their own coverage qualify for a premium subsidy, and many overpay because they picked the wrong metal tier. A licensed producer compares Bronze, Silver, Gold, and off-exchange options side by side, checks your subsidy, and enrolls you — at no cost to you.
Compare my plan optionsRead the free coverage guideIndividuals, families, and self-employed · Special enrollment help year-round · Same-week quotes
Why compare with a licensed producer
Same plans, same prices as HealthCare.gov — plus a human who knows the networks and the fine print.
Subsidy check
We estimate your premium tax credit and cost-sharing reductions before you pick a plan — many households cut premiums by hundreds a month.
Doctor and drug fit
We check that your doctors, hospital, and prescriptions are in-network before you enroll, not after.
Total-cost comparison
Premium + deductible + out-of-pocket max modeled for your expected usage — not just the sticker price.
Enrollment done for you
Open enrollment or a qualifying life event, we handle the application and follow up on documents.
How it works
Tell us who needs coverage, your ZIP, and when you need it to start.
A licensed producer pulls the plans available in your county and models total cost and subsidy eligibility.
Side-by-side comparison in plain English — networks, drug formularies, HSA eligibility.
We submit your application. You pay the carrier directly; we are paid by the carrier, never by you.
Who you are working with
Request your free plan comparison
This is a quote request — not a checkout and not an application for coverage. A licensed producer reviews your details and contacts you. Submitting this form does not purchase or bind any coverage.
We never sell your information. You can opt out of communications at any time.
Frequently asked questions
Does using a broker cost more than HealthCare.gov?
No. Premiums are set by law and identical whether you enroll through the marketplace directly or through a licensed producer. Carriers pay us a commission; your price does not change.
Can I enroll outside open enrollment?
Yes, if you have a qualifying life event — losing job coverage, moving, marriage, a new child, or income changes that affect Medicaid eligibility. You generally have 60 days. Low-income households may qualify year-round.
Bronze, Silver, or Gold — which should I pick?
It depends on your expected usage and subsidy. Silver plans unlock cost-sharing reductions for households under about 250% of the federal poverty level; Bronze suits healthy people with an emergency fund; Gold often wins for people with regular prescriptions or planned procedures. We model all three for you.
