From ACA marketplace plans to private coverage, dental, and vision — every recommendation starts with your doctors and your budget, not a quota.
We help you find and enroll in Affordable Care Act marketplace plans, including checking whether you qualify for subsidies that lower your monthly premium.
Book a call →When an off-marketplace plan fits better — for network, cost, or coverage reasons — we help you compare private health insurance options too.
Book a call →Standalone or bundled dental coverage, so routine care and unexpected procedures aren't an out-of-pocket surprise.
Book a call →Coverage for eye exams, glasses, and contacts — added on its own or alongside your health plan.
Book a call →Keep your family's doctors and pediatrician in-network while managing the household budget.
Right-sized coverage — nothing you don't need, nothing missing that you do.
No employer plan behind you — we find marketplace and private options built for freelancers and contractors.
Support comparing group and individual coverage options for the people who work for you.
Every plan falls into one of four structures. Here's the honest breakdown of the trade-offs — no jargon.
| PPO | HMO | EPO | POS | |
|---|---|---|---|---|
| Best known for | Maximum flexibility | Lowest cost | Middle ground | Hybrid flexibility |
| Primary care doctor required? | No | Yes | No | Yes |
| Referrals to see specialists? | No | Yes | No | Yes |
| Out-of-network coverage? | Yes | No (emergencies only) | No (emergencies only) | Some |
| Typical premium | Higher | Lower | Lower-to-mid | Mid |
| Good fit if you… | Want freedom to choose any doctor or skip referrals | Want the lowest premium and don't mind a set network | Want lower cost but no referral hassle | Want some flexibility with coordinated care |
Which one's right for you depends on your doctors, your budget, and how you use care — that's exactly what we cover on the discovery call, before you commit to anything.