Talk to a licensed agent to review your coverage, explore available health, dental, and vision plans, and see whether you qualify for potential savings.
Compare health plans that help cover doctor visits, prescriptions, preventive care, and other eligible medical services.
Explore dental plans that help cover exams, cleanings, basic procedures, and other eligible services for ongoing oral care.
Review vision plans that help cover eye exams, prescription glasses, contact lenses, and other eligible vision care services.
We work with individuals, families, and business owners nationwide to make finding the right health coverage easier, with guidance that considers their needs, priorities, and budget.
Anyone purchasing their own health, dental, or vision coverage, including freelancers and independent contractors.
Individual and family Marketplace plans, with your family's doctors, prescriptions, and coverage needs considered.
Lost workplace coverage or waiting on a new plan? Losing a job usually opens a special enrollment window.
Turning 26 and need your own coverage for the first time - we'll walk you through the basics.
Retired early or waiting to turn 65? We help bridge the gap with individual coverage.
Looking at coverage options for yourself or your employees, without the weight of a full group plan.
2027 Health Insurance Open Enrollment Is HereReview your current coverage, compare available plans, and get guidance from a licensed agent for the 2027 plan year.
Call 888-867-8060Once your plan is in place, we're here throughout the year to answer questions, explain your benefits, help when your needs change, and review your coverage when it's time to renew.
Could You Qualify for Lower Monthly Premiums in 2027?Your income and family size can affect your Marketplace savings. See what financial help may be available for 2027.
Call 888-867-8060Tell us about your family, preferred doctors, and budget. We'll start by understanding what matters most to you.
Your agent compares available plans by premiums, benefits, and coverage, helping you focus on options that fit your needs.
We'll walk you through premiums, what you may pay for doctor visits and prescriptions, and what your plan covers.
We're here year-round for questions about your benefits, coverage changes, and help reviewing your options at renewal.
What Will Your 2027 Health Coverage Actually Cost?See whether you may qualify for financial assistance to lower your monthly health insurance premium.
Call 888-867-8060The monthly price is only part of it. When we line up plans, here's what we check together before you pick one.
What you'd actually pay each month after any Marketplace help you qualify for.
What you pay before coverage kicks in, and the most you'd owe in a year when you need more care.
We check whether the people you already see are in-network - before you enroll, not after.
Whether your medications are covered, and roughly what they'd cost at the pharmacy.
Whether bigger work like a crown or root canal is covered right away or after a wait.
How much a plan puts toward glasses, contacts, or an exam - matched to how you use your eyes.
Health plans have enrollment windows, but there are more ways in than most people realize. If you're not sure which one applies to you, that's a good reason to call.
Most ACA Marketplace plans open for enrollment each fall for the coming year. If it's coming up, calling early means less rush and more time to compare.
Losing job-based coverage, moving, getting married, or having a baby usually opens a short special enrollment window - often about 60 days. Call and we'll check if you qualify.
Dental and vision plans may have different enrollment periods than ACA health plans. Call us to understand your options and when you can enroll.
Not Sure When You Can Enroll?Tell us about your situation, and we'll help you understand which enrollment options may be available to you.
Call 888-867-8060We're licensed, we're appointed with carriers nationwide, and it costs you nothing extra to use an agent - that part's true no matter who you call. Here's what else you get with us.
Every agent holds an active state license and is appointed with the carriers we recommend.
Carriers pay us the same commission no matter which plan you pick, so we're never steering you.
The agent who helps you enroll remains your contact for questions, coverage changes, and your next renewal
Carrier relationships across the country, matched to what's actually available where you live.
Lost employer coverage overnight. We compared Marketplace plans and checked for available financial assistance.
Their old plan wasn't available in their new state. Within their enrollment window, we found local plans that included a nearby pediatrician.
They needed dental and vision for a few employees, but didn't want a full group plan. We explored individual options.
Illustrative scenarios based on common situations we help with - details are composites, not individual client records.
| Shopping alone online | Large call-center agency | Thrive | |
|---|---|---|---|
| Who answers | No one - self-service only | Whoever's next in queue | One agent, every time |
| Explaining the details | On you to figure out | Rushed, script-based | Patient, plain language |
| After you enroll | You're on your own | General support line | Same agent, still reachable |
| Cost to you | Free | Free | Free |
Tell us what you're looking for. A licensed agent will help you understand your options, compare available plans, and find coverage that fits your needs.
No to both. Licensed agents are paid a commission by the insurance carrier, and it's already built into the plan's price. You pay the exact same premium whether you enroll through us or sign up on your own - using an agent doesn't add a fee or a markup.
No. Under the Affordable Care Act, ACA-compliant health plans can't deny you coverage, charge you more, or refuse to cover care because of a pre-existing condition. (Some non-ACA options, like short-term plans, work differently - we'll always tell you which type you're looking at.)
Most ACA Marketplace plans have an annual Open Enrollment window that usually runs from November 1 to December 15, with coverage often starting January 1 if you enroll by mid-December. Exact dates can shift and some states run their own timelines, so call and we'll confirm this year's window. Outside of that, a qualifying life change can open a Special Enrollment window.
Common ones include losing other coverage (a job change, aging off a parent's plan at 26, or losing Medicaid), moving to a new area, getting married, or having or adopting a child. These usually open a Special Enrollment Period of about 60 days. Not sure if yours counts? That's a quick call.
Many people do. The Marketplace offers premium tax credits based on your household size and income, and they can lower your monthly cost, sometimes by more than the difference between plans. For 2027, federal help is generally available to households earning up to 400% of the federal poverty level; above that, it isn’t, though a few states offer their own help. Tell us your numbers and we’ll check what you qualify for.
Often, yes - but it depends on the plan's network. Before you enroll, we'll check whether the doctors and hospitals you already use are in-network, so there are no surprises after you're covered.
For adults, dental and vision are usually separate plans you add on - a health plan by itself doesn't typically cover routine cleanings or eye exams. (Children's dental and vision are treated as essential benefits and work differently.) We can line up all three so the coverage and timing fit together.
Nothing but timing. Call and you'll reach a licensed agent now. Request a call back and you pick a time that works for you, and an agent calls you then. Same person, same help either way.
There's no pressure to enroll on the spot; plenty of calls are just questions. If you do enroll, you keep the same agent afterward - so when something changes, like a move or renewal, you call the same number and talk to someone who already knows your situation.
How much does ACA health insurance cost when you're paying for it yourself? There isn't one monthly price.
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If you’re checking how to qualify for ACA subsidies in 2027, start with your expected household income and who will appear on your federal tax return.
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Finding affordable health insurance for families starts with checking who needs coverage, what each person qualifies for, and how much..
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