Coverage Categories

Pick the decision you're stuck on.

Six categories of coverage, organized by the moment you're frozen in. Tap the one that sounds like you — we'll do the rest.

Categorized by the decision you're stuck on

Six categories. One conversation.

We don't organize this site around insurance jargon. We organize it around the moment you're in. Tap the one that sounds like you — we'll handle the rest.

When "just pick one" isn't an answer

200 health plans. 4 metal tiers. 12 acronyms. We translate the spreadsheet into three real choices you can actually decide between — and tell you which one we'd pick if it were our family.

  • ACA, off-exchange, PPO, HMO, HDHP — explained, not listed
  • Doctors you already see, checked against every plan first
  • Subsidy math done for you (most people leave money on the table)
  • What's actually covered vs. what looks covered
  • The trade-off you'll regret in 6 months, surfaced now
  • An adult in the room when you're ready to click "enroll"
Help me decide →

The thing you keep putting off

Yes, you should get dental. No, it's not as expensive as you think. We'll pick one in five minutes — standalone or bundled with vision — so it stops being item #14 on your list.

  • Cleanings covered day one (no waiting period drama)
  • Plans that cover the crown vs. plans that don't — labeled
  • Ortho budgets if there's a kid in your future
  • Implant coverage where it actually exists
  • Whether your current dentist takes the plan, before you switch
  • Bundle math: standalone vs. add-on, the honest answer
End the procrastination →

The $12-a-month nobody talks about

If you wear glasses or contacts, the math is almost cartoonishly obvious. We'll show you which plan pays for itself on your first appointment.

  • One exam a year, basically free
  • Frames + lenses allowance that covers most pairs
  • Contacts swap for the frames benefit (or vice versa)
  • LASIK discount tiers, ranked by actual savings
  • Pediatric vision baked into ACA kids' plans (don't double-pay)
  • Bundled with dental for ~$28/mo — usually the smart move
Do the math with me →

The safety net under your high deductible

If you're on an HSA or HDHP and one ER trip would wreck you, this is the conversation. Cash benefits, paid to you, when the worst day shows up.

  • Accident cash — $500–$15,000 per incident, paid to you
  • Critical illness lump sum (cancer, stroke, heart attack)
  • Hospital indemnity per night, regardless of your main plan
  • Short-term disability if your paycheck depends on you
  • Kid-in-sports edition: usually $20–$40/mo
  • We tell you when you don't need it (often)
See if it's worth it →

When the household just changed

New baby, new spouse, new ZIP code, new dependent aging on — or off. We rebuild the plan around the household you have today, not the one you had when you signed up.

  • Maternity + newborn coverage, sequenced correctly
  • Pediatric dental & vision (free in most ACA plans)
  • Family deductible vs. embedded — which actually saves you
  • Child-only plans when the parent is on Medicare
  • Well-baby visits at $0
  • Adult kids up to 26, with no awkward conversations
Recalculate for me →

Benefits, without becoming an HR person

You hired great people. You shouldn't need a benefits broker who treats you like a Fortune 500. We design a package your team will actually use — group, ICHRA, or hybrid.

  • Group medical / dental / vision, priced honestly
  • ICHRA setup if a traditional plan doesn't fit
  • Life & disability bolt-ons that move the needle
  • Section 125 so the tax math works for everyone
  • Onboarding portal your team won't curse at
  • Renewal review every year — no surprise hikes
Design my benefits →
The three doors most people walk through

Three starting points. Not three products.

We've watched 8,000+ people make this choice. Almost everyone lands in one of three buckets. Pick the bucket that sounds like you — we customize from there.

The Solo Starter
Stopstalling

For one person, one decision, one weekend.

  • One plan picked, in one call
  • Preventive care fully covered, day one
  • Primary + urgent care without the runaround
  • Generic prescriptions baked in
  • Telehealth so you skip the waiting room
  • Subsidy math handled for free
Sounds like me
Most Popular
The Whole-Household
Oneplan, everyone covered

For the person who keeps everyone else's appointments.

  • Every person in the house on one plan
  • Pediatric + maternity + adult care, sequenced right
  • Dental + vision bundled (the usual smart move)
  • Specialist + hospital networks checked against your doctors
  • Family deductible vs. embedded — explained
  • One advisor who knows everyone's name
This is us
The Team Plan
Benefitspeople will actually use

For founders who don't want to become brokers.

  • Group health, ICHRA, or hybrid — whichever fits
  • Group dental + vision your team won't ignore
  • Life + disability bolt-ons that actually matter
  • Section 125 setup so the tax math is right
  • Onboarding portal that doesn't suck
  • Renewal review so you're never blindsided
Build my team's