No allegiance, no bias
We don't work for an insurance company — we work for you. Every recommendation is based on your budget, providers, and health, not a captive contract.
Independent · Licensed · Human
Unbiased health insurance guidance — every plan, every option, no bias.
We're an independent brokerage with access to both public marketplace plans and private-market carriers. That means honest comparisons, real recommendations, and a plan that fits your family — not a quota.
No spam. No obligation. Just honest options — usually within one business day.
Licensed & Independent
Access to 50+ Carriers
Public & Private Plans
$0 Cost to You
Plans compared from carriers including
- UnitedHealthcare
- Blue Cross Blue Shield
- Aetna
- Cigna
- Ambetter
- Oscar
- + 45 more
Why independent matters
A broker who works for you — not a carrier.
Captive agents can only sell what their company offers. We show you every option — then help you actually understand it.
The whole market, side-by-side
Marketplace/ACA plans and private-market carriers all in one comparison. See real premiums, real networks, real deductibles — no cherry-picked options.
Support after you enroll
Claims questions, renewals, life changes — we stay in your corner year-round at no additional cost. You get a person, not a call center.
Who we serve
Coverage for how you actually work.
W-2 benefits aren't the only path to good coverage. If you work for yourself — or you're the one providing benefits — we handle it.
Self-employed & freelancers
No employer plan? You have more options than healthcare.gov shows. We compare marketplace subsidies against private-market plans to find your real lowest cost.
1099 contractors & gig workers
Income that varies month to month makes subsidy estimates tricky. We help you project income correctly so you don't owe money back at tax time.
Small business owners
Group plans, QSEHRA, ICHRA, or helping your team shop individually — we'll tell you honestly which one actually makes sense at your headcount.
Sole proprietors & S-corps
Premiums may be deductible depending on how you're structured. We coordinate with your CPA so the plan and the tax treatment line up.
How it works
Four steps. No jargon. No pressure.
- 1
Tell us your needs
A quick call or form. Your family, budget, doctors, medications — the essentials.
- 2
We compare everything
Marketplace and private plans side-by-side. Real numbers, real networks, plain English.
- 3
You choose, we enroll
Pick the plan that fits. We handle paperwork, subsidies, and effective dates.
- 4
Ongoing support
Claims help, renewals, life changes. We're your broker year after year — no extra cost.
Plans we offer
Coverage for every stage of life.
Whatever you need, we can quote it — and tell you honestly if it's the right fit.
ACA Marketplace
Federal subsidies, essential health benefits, guaranteed issue. Ideal for most families.
Private Market
Off-exchange carriers with broader networks and flexible plan designs.
Short-Term Medical
Bridge coverage for gaps between jobs, retirement, or open enrollment.
Dental & Vision
Standalone or bundled — routine care, orthodontics, and specialist coverage.
Life Insurance
Term and whole-life options to protect the people who depend on you.
Small Group & Business
Group health for 2+ employees, plus ICHRA and QSEHRA reimbursement arrangements for teams that want flexibility.
Free quote
Tell us a little about you.
Thirty seconds now, honest options in your inbox within one business day. No pressure, no obligation, no cost.
- Licensed independent broker — never a captive agent
- Public marketplace and private plans compared side-by-side
- You never pay us — carriers do, and it doesn't change your rate
Prefer to talk it through?
(657) 385-8907What clients say
Real people. Real coverage. Real support.
“I finally understood what I was actually buying. They showed me three plans, explained the trade-offs plainly, and never once pushed the highest-commission one.”
Maya R.
Portland, OR
“We switched from a captive agent and saved $220/month for better coverage. Wish we'd called an independent broker years ago.”
Devon T.
Austin, TX
“When we needed to switch plans mid-year, the team walked us through every option with real patience. It felt like advice from family.”
Ann & Robert P.
Sarasota, FL
About our brokerage
Built to compare — not to sell one carrier.
We're an independent brokerage, licensed nationwide and contracted with 50+ carriers, built to compare public marketplace and private-market plans without a captive contract steering the recommendation. We work with individuals, families, the self-employed, 1099 contractors, and small businesses — anyone who needs honest options and someone to walk them through the fine print.
Licensed in most states
Independent and Non-biased
50+ carrier contracts
Established 2023
Questions
The honest answers.
Nothing. Ever. Independent brokers are paid by the insurance carriers — and it doesn't affect your premium one cent. You get the same rate whether you go through us or straight to the carrier.
Public (ACA/Marketplace) plans include federal subsidies and guaranteed acceptance. Private-market plans are off-exchange offerings that often have broader networks and more flexible designs. Which is right depends on income, providers, and household. We'll compare both.
No. That's the point. We're contracted with 50+ carriers so we can recommend what fits you, not what fills a quota. If a competitor's plan is better, we'll tell you.
For ACA plans, coverage typically starts the first of the following month. Private and short-term plans can often start within 24–72 hours. We handle enrollment and effective dates for you.
Ready when you are
The right plan is out there. Let's find it together.
Free, independent guidance from a licensed broker. Marketplace and private plans, side by side, in plain English.