Health Insurance

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Health Insurance

Health coverage should not take a week of research and three phone calls to figure out. Most people who call us are self-employed, on a 1099, or working somewhere that does not offer a plan. You do not have to wait for an open enrollment window, and you are not limited to what the exchange puts in front of you. We place coverage through an association group program with a national Cigna network, add dental and vision if you want them, and handle the enrollment paperwork with you on the phone. Saving money is key, but making sure you have sufficient coverage is just as important. We also offer dental and vision plans as well. 

Costs

Varies by plans and memebrs

Eligiibility

Underwriting questionnaire

Coverage

Individuals, families, and self-employed

Enrollment Period

Year round, no waiting period

Why Health Insurance With Us?

Submit Info for a Free Quote

Enroll Any Month of the Year

There is no open enrollment window to wait for and no qualifying life event to prove. If you need coverage in next month, get started this month.

A Real National Network

Plans run on the Cigna network, so you are choosing from doctors and hospitals across the country rather than a narrow local list.

Who best fits our plans

Sole proprietors, 1099 contractors, and anyone whose employer offers nothing. This is the group the individual market treats worst, and it is who these plans are designed for.

we handle enrollment

You talk to the same person from the first quote through the application, not a call center queue and a portal you have to figure out alone.

Find coverage without guessing

PHONE NUMBER

(866) 442-9775

Frequently Asked Questions

Any time. These plans enroll year-round, so you are not waiting for a fall open enrollment window and you do not need a qualifying life event to get started. Coverage begins once the application is approved and the first payment is made. If you are losing other coverage at the end of the month, tell us the date and we will work backward from it.
No, and we will not pretend otherwise. We do not sell exchange plans, which means there are no premium tax credits or income-based subsidies involved. What we place is coverage through an association group program, available year-round on a national Cigna network. For people who do not qualify for a meaningful subsidy, which is most self-employed households above the subsidy cliff, this route is usually the better economics. If you do qualify for a large subsidy, we will tell you so and point you to healthcare.gov instead.
Yes. Enrollment includes a short set of medical questions covering things like pending treatment, scheduled surgery, maternity and recent time away from work due to injury or illness. There is no full physical exam, but this is not guaranteed issue coverage, and answers have to be accurate. We go through the questions with you before anything is submitted so there are no surprises at approval.
Yes, you can add these to the health plan or you can buy them on their own if that is all you need. Dental and vision come in several tiers through Cigna DHMO or Solstice PPO network Tell us which dentist you want to keep and we will check whether they are in network before you commit to a plan.

Typically, when obtaining new coverage, you may need to change physicians depending on the coverage they accept. Though most providers are in the PPO network, it doesn’t guarantee they will accept your new insurance. We will take the time to find out for you before making any purchases.