$0/mo
Under ~$22k single · ~$45k family of 4
Free coverage
If you qualify for Medicaid or the maximum ACA subsidy, your premium is literally $0.
Open Enrollment · All 50 States
You're Uninsured.
Let's Change That
Today.
Health insurance signup, made simple. We match uninsured adults 18–55 with affordable coverage from 50+ carriers — in about 2 minutes. No SSN. No jargon. No pressure.
FreelancersGig workersNew gradsBetween jobsParentsLate bloomers
12,000+ adults got covered with Meet Insured
4.9 / 5 across 800+ reviews
4.9 / 5 across 800+ reviews
Your status, todayUninsured
No coverage
One ER visit = $2,500+
Your status, afterInsured ✓
Covered from $0/mo*
With ACA tax credits
*Subsidy eligibility based on income & household.
The reality
Why people put this off (and why you shouldn't)
27M
uninsured Americans right now
4 in 5
qualify for a subsidy and don't know it
$2,200
average ER bill without insurance
$0/mo
what many of our members actually pay
50+ carriers. One 2-minute form.
Who this is for
Are you one of us?
We built Meet Insured for the 27 million Americans who aren't covered by an employer. Pick the one that sounds like you.
Freelancers
No employer plan, deductions go on Schedule C — and yes, your premium is tax-deductible.
Gig workers
Driving, delivering, hosting? Your income wiggles. Your subsidy can wiggle with it.
Brand-new grads
Off your parents' plan at 26? You probably qualify for a Special Enrollment Period right now.
Between jobs
COBRA is wildly overpriced. A marketplace plan is usually a fraction of the cost.
Parents off a spouse's plan
Divorce, separation, or a partner switching jobs? You've got 60 days to enroll without waiting.
New to US healthcare
Green card, visa, naturalized citizen — we'll walk you through it in plain English.
Real prices
What coverage actually costs.
Forget bronze/silver/gold for a second. Here's what people actually pay each month based on their income — after the ACA subsidy kicks in.
$1–50/mo
~$22k–$35k single · ~$45k–$70k family
Almost free
Most freelancers and gig workers we help land here. Real silver-tier plan, almost nothing out of pocket.
$51–150/mo
~$35k–$60k single · ~$70k–$120k family
Comfortable middle
Still subsidized — just a smaller subsidy. Cheaper than what you'd pay buying direct from the carrier.
$150+/mo
Above subsidy thresholds
Full price plans
Even without a subsidy, we'll find you the cheapest plan in your zip code that covers your doctors.
Simple as
From uninsured to covered in 3 steps.
01
Tell us about you
ZIP code, age, rough income. 60 seconds, no SSN, no credit check, no spam.
02
See your subsidy
We do the ACA math and show you the real monthly price — what you'd actually pay, after the tax credit.
03
Pick a plan
Compare side-by-side. Hit enroll. Most people are covered by the 1st of next month.
Reality check
Myths vs. facts.
The five things people get wrong about health insurance — and what's actually true.
Myth
"I can't afford it."
Fact
4 in 5 uninsured adults qualify for a subsidy. Many pay $0/mo. You won't know until you check.
Myth
"I'm healthy — I don't need it."
Fact
One ER visit averages $2,200 uninsured. A broken arm can be $8,000+. Insurance is a financial seatbelt.
Myth
"I missed open enrollment, so I'm stuck."
Fact
Losing a job, moving, turning 26, having a baby — all unlock a 60-day Special Enrollment Period.
Myth
"I'm self-employed so I can't get a plan."
Fact
Wrong. The ACA marketplace was literally built for self-employed people. Your premium is also tax-deductible.
Myth
"It takes weeks of paperwork."
Fact
Our form is 2 minutes. Coverage starts the 1st of next month. No SSN needed to compare quotes.
Real members
Real people, real plans.
What our members actually pay each month — after the ACA subsidy.
Jordan, 28
Freelance illustrator · Portland, OR
"I'd been uninsured for 3 years. Took the form, saw $34/mo, almost cried."
$34/mo$412 subsidy
Marisol, 41
Rideshare driver · Phoenix, AZ
"Quit my job to drive full-time. I'd been putting this off for months. Took 4 minutes total."
$0/moMedicaid match
Devon, 26
New grad · Atlanta, GA
"Turned 26, fell off my parents' plan, panicked. Got covered before my birthday week was over."
$87/mo$298 subsidy
Free quote
2 minutes. Free. No SSN.
Tell us the basics and we'll show you the real monthly price — after the ACA subsidy — before you commit to anything.
- Licensed insurance agency in all 50 states
- Compare plans from 50+ carriers in one place
- No SSN required to get a quote
- Free service — no obligation to enroll
- Talk to a real licensed agent, not a robot
Step 1 of 5Who you are covering
Who are you searching for?
We'll tailor your options based on who needs coverage.
First-time questions
Stuff first-timers always ask.
Right here. Tell us your ZIP, age, and rough income — we'll show you what you'd actually pay each month after the ACA subsidy. No commitment, no SSN, no credit check. From there, you can pick a plan and be covered by the 1st of next month.
No. You only need an SSN at the very end — to actually enroll in a plan with the carrier. To browse plans and see your subsidy, all we need is your ZIP, age, and household income estimate.
An ACA subsidy (officially the Premium Tax Credit) is a discount the government applies directly to your monthly premium. About 4 in 5 uninsured adults qualify. If your household income is roughly $15k–$60k for a single person or $30k–$120k for a family of 4, you almost certainly qualify for something.
Probably not. If you've recently lost a job, moved, turned 26, had a baby, gotten married or divorced, or your income changed significantly, you get a 60-day Special Enrollment Period to sign up. Take the form — we'll tell you instantly.
Yes — full stop. Since 2014, ACA plans cannot deny you, charge you more, or exclude conditions for things like diabetes, asthma, mental health, pregnancy, cancer history, etc. Pre-existing conditions are covered from day one.
Yes, and the ACA marketplace was practically built for you. Bonus: your monthly premium is tax-deductible on your Schedule C. Freelancers, gig workers, and contractors are our biggest member group.
If you enroll between the 1st and 15th of a month, coverage usually starts the 1st of next month. Enroll after the 15th, and it starts the 1st of the month after that. So worst case: about 6 weeks out.
Nope. Our service is 100% free to you. The insurance carrier pays us a small commission when you enroll — and that commission is baked into the plan's price either way, whether you go through us or directly through the carrier. You pay nothing extra.
Two things to know: (1) The federal tax penalty for being uninsured is $0 since 2019, but a handful of states (CA, MA, NJ, RI, DC) still charge one. (2) The real risk is medical debt — one unexpected ER visit or surgery can wipe out years of savings. The average uninsured ER bill is $2,200. A hospital stay averages $15,000+.
We share your contact info only with the licensed carrier or marketing partner who can actually quote your plan, and only after you opt in. You can opt out anytime, and we have a privacy request page if you want your data deleted.
Still have questions?
A licensed advisor will email you back the same day.
Last nudge
Still on the fence?
2 minutes. No SSN. No credit check. You'll see your real monthly price before deciding anything.