Insurance Plans

Every Coverage Type, One Trusted Agency

Browse the plan categories we work with, then talk to a licensed advisor to compare carriers side-by-side for your situation.

Your coverage paths

Five ways back to real family coverage.

We don't sell one plan. We map every path a newly uninsured household can take — then walk you down the one that fits your budget, your doctors, and your kids.

Whole-family re-enrollment

We sequence coverage for every person in the household — you, your spouse, the kids, ongoing prescriptions and pediatricians — so nobody falls through a gap.

  • One advisor for the entire household
  • Keep your pediatrician + prescriptions
  • SEP eligibility for every family member
  • Maternity + ongoing care continuity
Protect the whole family

COBRA vs Marketplace

COBRA is the default — but it's usually the most expensive default for a family. We run the side-by-side so you stop overpaying.

  • True monthly cost comparison
  • Keep-your-doctor analysis
  • Subsidy eligibility check
Compare options

Special Enrollment Period

Job loss, divorce, aging off a parent's plan, or a move opens a 60-day SEP. Miss it and the family waits until next November.

  • Qualifying life event check
  • Document checklist
  • ACA marketplace enrollment
Check my SEP

Short-term bridge plans

Coverage that can start tomorrow while you figure out the long-term plan — no SEP required.

  • Next-day start
  • 30–364 day terms
  • ER + hospital protection
See bridge plans

Dental & vision, rebuilt

Employer dental and vision usually end the same day health does. We rebuild that stack standalone for the family.

  • Standalone dental
  • Vision exams + frames
  • Family bundles
Rebuild benefits

Just lost your plan

Same-day eligibility review and a clear plan back to real coverage — usually inside 48 hours.

  • Same-day eligibility review
  • All SEP options in one call
  • Paperwork handled
Start re-enrollment
Coverage paths

Three real paths.
One that fits you.

Every recommendation is run by a licensed advisor on a 30-minute call — no chatbots, no scripts.

SEP Marketplace
Subsidy-eligible plan

If you have a qualifying life event and a 60-day window

  • Full ACA marketplace access
  • Subsidy + premium tax credit estimate
  • Keep-your-doctor analysis
  • Coverage in as little as 14 days
  • Maternity, mental health, RX included
  • Same advisor all year for claims
Check my SEP
Most picked
COBRA replacement
Realalternative

Most common pick — usually 60–80% cheaper than COBRA itself

  • True side-by-side COBRA cost
  • Keep your current hospital network
  • Switch out of COBRA cleanly
  • Subsidy-aware recommendation
  • Family + dependent continuity
  • Filing handled for you
Compare to COBRA
Short-term bridge
Coverage,fast

For coverage starting tomorrow while you figure out the long-term plan

  • Coverage can start next day
  • 30 to 364-day terms
  • ER + hospital protection
  • No qualifying event needed
  • Bridge to Medicare or next job
  • Layered with dental + vision if needed
See bridge plans