Health insurance that fits your life — not the other way around.
Finding the right health plan shouldn't feel like a second job. We know the market inside and out, and we'll do the legwork so you don't have to. Whether you're self-employed, in between jobs, aging off a parent's plan, or just tired of overpaying — we can help.
Every option. No bias.
We work with all the major carriers and compare every plan available in your area. That includes:
- ACA Marketplace plans (with and without subsidies)
- Off-marketplace major medical plans
- Short term coverage
- Health Share Plans (see our Health Share page for details)
- Supplemental coverage to pair with a high-deductible plan
You might be in the right place if...
- You're self-employed or your employer doesn't offer benefits
- You lost coverage through a job change, divorce, or a family change
- You're currently on a plan but not sure if it's still the best option
- Open enrollment is coming up and you want someone to compare plans for you
- You've been buying direct from a carrier and want to know if you're overpaying
- You're turning 26 and coming off a parent's plan
Why use a broker instead of going direct?
Going direct to a carrier:
- See only that carrier's plans
- No one advocating for your situation
- You figure out subsidies, eligibility, and enrollment on your own
- Same price as using a broker
Working with Optimized Insurance Plans:
- Compare every carrier and plan available in your area
- A licensed agent who knows your situation and explains your options in plain language
- We handle subsidy calculations, enrollment, and follow-up
- No cost to you - ever
Let's find your options.
Fill out the form below and we'll be in touch within one business day. It takes about three minutes.
Common questions.
Does it cost anything to work with you?
No. Our service is completely free. Insurance carriers pay us a commission when you enroll — it doesn't affect your premium and it doesn't change our advice.
What if open enrollment is over?
You may still qualify for a Special Enrollment Period if you've had a recent life event — job loss, marriage, new baby, move, or loss of other coverage. Fill out the form and we'll figure out your options.
I already have a plan through my employer. Can you help?
We can take a look. In some cases, an individual plan is actually more affordable — especially if your employer's plan is expensive or the coverage isn't great. It's worth comparing.
Do I qualify for subsidies?
It depends on your income and household size. We calculate this as part of the process — fill out the form and we'll tell you exactly what you're eligible for.
How long does enrollment take?
Once we identify your plan, enrollment typically takes 15-30 minutes. Coverage can start as soon as the first of the following month in most cases.
Independent insurance brokers helping individuals, families, and businesses find coverage that actually fits their life.
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