Insurance Questions? We Have Straight Answers.
Insurance is confusing — and that's by design. We're changing that. Here are honest, plain-English answers to the questions our clients ask most.
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.