The official Marketplace is the government exchange where you can see plans. We are a licensed and certified health insurance agency. We use the same system and show you the exact same plans and prices, but with a crucial difference: we provide expert, unbiased guidance to help you choose the *right* plan for your specific situation, all at no extra cost to you. Think of us as your personal, professional guide to the official Marketplace options.

A Special Enrollment Period is a 60-day window outside of the annual Open Enrollment season when you can sign up for a new health plan. SEPs are triggered by specific "Qualifying Life Events," such as losing your job, moving, getting married, or having a baby. Our eligibility quiz is designed to help you quickly determine if you qualify for one.

The cost depends on several factors: your location, age, income, and the level of coverage you choose (Bronze, Silver, Gold). The most important factor is your income, which determines the size of the government subsidy (premium tax credit) you may receive. Many of our clients qualify for high-quality plans with monthly premiums under $50, and some even qualify for $0 premium plans.

No. Our services are 100% free to you. We are compensated by the insurance carriers we partner with, but only if you decide to enroll in a plan. There is no obligation, and our goal is simply to help you find the best possible coverage.

To get an accurate quote and apply, you will typically need:

• Your ZIP code.
• The names and ages of everyone in your household who needs coverage.
• Your best estimate of your total household income for the year.
• Social Security numbers for all applicants (required by the Marketplace to verify identity and income).