Talk to a licensed agent to review your coverage, explore available health, dental, and vision plans, and see whether you qualify for potential savings.
ACA Marketplace plans and beyond. We'll check if you qualify for help paying your premium before we talk price - it usually matters more than the sticker number.
We'll flag any waiting period on bigger work - like a crown or root canal - before you sign up, so there are no surprises when you actually need it.
We match the plan to how you actually use your eyes - glasses, contacts, or both - instead of a one-size-fits-all pitch.
We work with individuals, families, and business owners across the country - usually people who don't have coverage through a job, or who want to double-check they're on the right plan.
Freelancers, contractors, and anyone buying their own health, dental, or vision coverage.
Individual and family Marketplace plans, with your kids' doctors checked before you enroll.
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.
Not sure if your situation fits? That's exactly what a quick call is for - no wrong reason to ask.
Call 888-867-8060A lot of agencies are built like a phone bank - you talk to whoever picks up, and once you enroll, you're just a file number. That's not how we do it.
Curious what that feels like? Call and ask for a real person - that's exactly who answers.
Call 888-867-8060Tell us about your family, your doctors, your budget. No forms to fill out first.
Your agent lines up a couple of plans that actually fit - not a stack of options to sort through yourself.
What you'd pay at the doctor, at the pharmacy, each month. Plain language, no jargon.
Same agent, same number, whenever something changes down the road.
Ready to skip the research and just talk it through? Most calls take about 10 minutes.
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 bad year.
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.
Many dental and vision plans enroll year-round, and it never hurts to have us look over what you already have. There's no cost to ask.
Not sure which window you're in? Tell us what changed and we'll tell you your options.
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 enrolls you is the one you'll reach for next year's renewal.
Carrier relationships across the country, matched to what's actually available where you live.
Lost employer coverage overnight. We found a plan and a subsidy that actually fit freelance income.
Their old plan didn't work in the new city - the move opened a special enrollment window. We matched their kids' doctor into the new plan before the next checkup.
Set up individual dental and vision coverage for themselves and a few employees, without the overhead of a full group plan.
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 |
Ten minutes is usually all it takes for us to tell you what you qualify for.
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 into mid-January, 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 depending on where you land they can lower your monthly cost - sometimes more than which plan you pick. The rules and amounts can change year to year, so the honest answer is: tell us your numbers and we'll check what you qualify for right now.
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.
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