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You may qualify for Medicaid
Based on your household income, it looks like you may qualify for Medicaid — which provides free or low-cost health coverage through your state.
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Serving 46 StatesLicensed coverage
10+Carrier partners
100%Independent, no bias
FreeNo cost, no obligation
We work with all the major carriers
Who we help
Coverage for wherever you're starting from
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Individuals
Real coverage that fits your budget.
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Families
One policy. Your whole household covered.
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Self-Employed & Small Business
Coverage for you — or your whole team.
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How it works
Coverage in three simple steps
1
Tell us about yourself
Takes 2 minutes. That's it.
2
Compare your options
We match you with top-rated plans.
3
Enroll in minutes
Enroll today. Coverage starts fast.
Why shoppers choose CoverWell
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Independent, not captive
Not tied to one insurer — just to finding your best fit.
⚡
No pressure, ever
No pressure. No obligation. Just honest guidance.
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Licensed & compliant
Every agent licensed. Every time.
How CoverWell works
From your first question to your first day of coverage — every step is simple, clear, and pressure-free.
1
Tell us about your situation
Answer a few simple questions about where you live, your age, household size, and income. This takes about 2 minutes. We use this to find plans you qualify for and calculate any ACA subsidies or tax credits you may be eligible for.
2
We match you with a licensed agent
Based on your answers, we match you with a licensed independent broker who specializes in your state and situation. No scripts, no pressure — just someone who works for you, not the insurance companies.
3
Compare your real options side by side
See plans from multiple carriers that fit your budget, with the difference between Bronze, Silver, and Gold tiers, deductibles, copays, and networks explained in plain English — no jargon, no guesswork.
4
Enroll and get covered the same day
Once you find the right plan, enrollment paperwork is handled start to finish. For qualifying life events, coverage can begin the same day. We stay available year-round to help with billing questions, claims, or switching plans at renewal.
Common questions
Is CoverWell really free?
Yes. Our service is completely free to you. We're compensated by the insurance carriers when you enroll, so there's no cost or obligation to use our service.
What's the difference between marketplace and private plans?
Marketplace (ACA) plans are sold through healthcare.gov and may qualify for subsidies based on your income. Private plans offer more flexibility but don't qualify for subsidies. We'll help you understand which is right for you.
When can I enroll?
Open enrollment typically runs November 1 to January 15. If you've had a qualifying life event — losing employer coverage, moving, getting married, having a baby — you may qualify for a Special Enrollment Period and can enroll anytime.
Do I have to buy a plan?
Absolutely not. There is zero obligation. We're here to help you understand your options. If you decide not to enroll, that's completely fine.
What if I don't live in a state on your quote form?
We can still help. Select "Other state" — we have carrier relationships across all 50 states.
Ready to find your plan?
Get a free personalized quote in under 2 minutes.
Access to all your options
As independent brokers, we work with every major carrier and plan type — so you always get the best fit, not just what one company sells.
Major carriers we work with
We have relationships with top health insurance carriers across the country — marketplace plans, private plans, and everything in between. No matter your situation, we can find you options.
BCBS
Blue Cross Blue Shield
The nation's largest health insurance network, available in all 50 states.
UHC
UnitedHealthcare
Broad network coverage with extensive plan options for individuals and families.
AETNA
Aetna
Flexible plans with strong preventive care and telehealth options.
CIGNA
Cigna
Wide network of doctors and hospitals with competitive marketplace options.
HUMANA
Humana
Strong Medicare and individual market plans with wellness programs built in.
KAISER
Kaiser Permanente
Integrated care with top-rated member satisfaction in available regions.
MOLINA
Molina Healthcare
Affordable marketplace plans with strong coverage for lower-income households.
OSCAR
Oscar Health
Tech-forward plans with virtual care, concierge teams, and no-cost urgent care.
AMBETTER
Centene / Ambetter
Marketplace-focused carrier with competitive premiums in many states.
COVENTRY
Coventry Health
Regional and national plans with strong local provider networks.
ANTHEM
Anthem / Wellpoint
One of the largest Blue Cross affiliates, operating in 14 states.
+ MORE
And many more
We work with regional carriers and private options not listed here — just ask.
Every type of plan, for every situation
Whether you're self-employed, running a small business, starting a family, or just between jobs — we have options for you.
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ACA Marketplace plans
Bronze, Silver, and Gold plans sold through healthcare.gov. If your income qualifies, you may receive significant subsidies — sometimes down to $0/mo.
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Private / off-exchange plans
Purchased directly from carriers. More flexibility in benefits and networks — ideal for those who don't qualify for ACA subsidies.
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Self-employed & small business
Own your business or work for yourself? We'll find individual coverage that fits your budget, or help you explore options for your team.
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Short-term health plans
Temporary coverage for gaps between jobs or life events. Lower premiums, more limited coverage — a tradeoff worth understanding before you choose.
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Family plans
Cover your entire household under one policy. We compare family premiums across carriers to find the best value for your household size and ages.
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Supplemental coverage
Add-on plans for dental, vision, critical illness, or accident coverage that fill the gaps your primary plan doesn't cover.
No matter your situation, we can help
One free call with a licensed broker covers all your options.
About CoverWell
We work for you, not the insurance companies.
CoverWell is an independent health insurance brokerage. That means we represent you — not any single carrier. We search across every plan available in your area to find the one that fits your life and your budget.
As licensed brokers, our service is completely free. We're compensated by carriers only when you enroll, which means our incentive is always to find you the best fit — not the most expensive plan.
Serving 46 StatesLicensed to serve you
10+Carrier partners
FreeNo-cost, no-obligation service
100%Independent — no carrier bias
What we stand for
🤝
Independence
We're not owned by or affiliated with any insurance company. Our only job is to find you the best coverage for your money — period.
💬
Honest guidance
We explain every plan in plain English — deductibles, networks, out-of-pocket maximums, and all the details that actually matter when you need care.
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Thoroughness
We search public marketplace plans and private options to make sure you see everything available — not just the easiest sale.
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Year-round support
Enrollment is just the beginning. We're available year-round to help with billing questions, claims issues, or switching plans at renewal.
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Licensed and compliant
All of our agents are licensed in the states they serve and operate in full compliance with state and federal insurance regulations.
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Always free to you
Our brokerage service costs you nothing. You'll never pay more for a plan through us than buying it directly — and usually, you'll pay less.
Ready to talk to a broker?
No obligation, no pressure — just real answers about your health coverage options.
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