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.
Real questions.
Real answers.
Pulled from actual conversations with people who took the quiz last month.
It's a smart questionnaire. You tell us about your life — who you live with, how often you see a doctor, what you can afford monthly, what trips you up about insurance — and we translate that into a ranked shortlist of plans from 200+ carriers. No vocabulary required.
Truly free. Carriers pay us a fixed commission only if you choose to enroll through a licensed advisor, and that commission is baked into every plan whether you buy direct, through a broker, or through us. You never pay a premium for the help.
No. The whole point is that you don't. We've replaced terms like deductible, coinsurance, MOOP, EPO, and HMO with questions like 'how much can you handle out of pocket if something big happens?' The translation happens behind the scenes.
Healthcare.gov shows you every plan you might qualify for on the federal marketplace. We narrow it down. We also include off-exchange plans, short-term coverage, ICHRA, dental + vision bundles, and Medicare bridges — none of which show up on the federal site.
Two things. You'll see your top 3–5 plan matches with monthly cost, network strength, and out-of-pocket exposure side by side. And within one business hour, a licensed advisor in your state can call to explain anything you want explained. You decide if you want that call.
Never during the quiz. SSN is only collected at the actual enrollment step, by the licensed agent or directly by the carrier — same as if you walked into their office. The quiz only needs ZIP, household basics, and a way to reach you.
Probably not. Most people qualify for a Special Enrollment Period at some point in the year — losing a job, moving, getting married, having a baby, aging off a parent's plan. The quiz checks for one automatically, and if you don't qualify, we'll show you short-term bridge plans.
Yes — the first question routes you. Families get matched on combined deductible and pediatric network. Small businesses get group plans plus ICHRA (an arrangement that lets you reimburse employees for individual coverage tax-free). Individuals get subsidy-optimized marketplace and off-exchange matches.