Health Insurance the system forgot you. we didn't.
Only 1 in 5 gig workers has employer-sponsored health insurance. The other 4 figure it out alone, without anyone to negotiate rates, explain options, or fight for them when a claim gets denied. That is exactly what we do, and it costs you nothing because carriers pay us, not you.
Does any of this sound familiar?
Freelancers and self-employed with no employer plan
Gig workers (rideshare, delivery, freelance platforms)
One ER visit without insurance averages $2,600. A hospital stay: $30,000+
An appendectomy without coverage costs between $10,000 and $50,000. A broken leg requiring surgery: $17,000 to $35,000. 107 million Americans, 41% of all adults, carry medical debt right now. For someone self-employed, a week in the hospital is not just a bill. It is a bill plus zero income plus no employer safety net.
COBRA averages $790 a month. Most people don't know there are cheaper options.
When you leave a job, COBRA lets you keep your exact plan but you pay 100% of the premium plus an admin fee. For most people that means $635 to $790 a month for one person, or up to $2,290 for a family. A comparable plan for the same person typically costs $200 to $477 a month. We show you the exact comparison before you make any decision.
Only 9% of Americans understand their health plan. We explain yours before you sign.
Most people pick the plan with the lowest monthly premium without realizing their deductible could be $6,000 or $7,000. 28% of insured Americans say they could not pay their deductible today if needed. We walk you through exactly what you would pay monthly, for a routine visit, and in a real emergency, before you choose anything.
What's covered?
Subject to policy terms and conditions.
This is how it works
Tell us your situation in 5 minutes
Income range, family size, and state. We identify every real option available including plans HealthCare.gov does not show.
We compare every plan in plain language
Monthly premium, deductible, your doctor's network status, and what you would actually pay in three real scenarios: routine visit, ER, and hospitalization. You see the full picture, not just the monthly number.
Enrolled, covered, and reviewed every year
We stay with you after enrollment. Every November we compare your current plan against new options because carriers raise deductibles, change networks, and exit markets. Cigna is leaving all marketplace states in 2027. Most agents never call you again after the sale.
Tell us your situation in 5 minutes
Income range, family size, and state. We identify every real option available including plans HealthCare.gov does not show.
We compare every plan in plain language
Monthly premium, deductible, your doctor's network status, and what you would actually pay in three real scenarios: routine visit, ER, and hospitalization. You see the full picture, not just the monthly number.
Enrolled, covered, and reviewed every year
We stay with you after enrollment. Every November we compare your current plan against new options because carriers raise deductibles, change networks, and exit markets. Cigna is leaving all marketplace states in 2027. Most agents never call you again after the sale.
Ready to get started? Takes under 5 minutes.
From $381/mo · No commitment · No credit check
What our clients say
“I kept saying I'd sort out health insurance once the business stabilized. Then I had a kidney stone, $14,000 out of pocket paid over 18 months. My agent found a Silver plan for $230 a month. I should have called before I needed it.”
Kevin M.
Austin, Texas
“I picked the cheapest monthly premium. My deductible was $6,500. I had no idea. My agent restructured my coverage for the same monthly cost with a $2,000 deductible and the same network. I had been overpaying for worse coverage for three years.”
Lisa T.
Denver, Colorado
“A claim got denied after my surgery. I had no idea what to do. My agent called the carrier directly, escalated it, and the claim was paid two weeks later. Nobody told me that was part of the service. It is the reason I will never buy insurance any other way.”
Robert C.
Miami, Florida
Join over 200 families already protected.
From $381/mo · No commitment
Frequently asked questions
Stop figuring this out alone we do the work your employer was supposed to do
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