If you haven't needed the doctor, why buy a plan priced like you live there? We match coverage to how you actually use care, from catastrophic-only to fully loaded, often saving young healthy folks around $9,500 a year.
is the average a young, healthy person saves with us each year. We can't promise that's you. But if you landed on this page because the description fits, the odds aren't bad.
One person, low usage, real protection if something goes sideways. We can build around catastrophic-only if that's all you want, or add layers as you go. PPO and open networks keep you access to plenty of doctors, without paying for coverage you'll never open.
Two healthy people don't need two maxed-out plans to feel covered. We price for how you two actually live, then make sure the unexpected hospital bill doesn't land on your kitchen table. Same idea, scaled for both of you.
Kids change the math, but they don't mean you have to overbuy. We sort out what your family genuinely uses, build coverage around that, and leave room for the surprises that come with little ones. We treat your family like it's ours.
Don't pay for bells and whistles you won't touch. If you're not at the doctor every other week, you shouldn't be billed like you are. Cover what you need, skip what you don't.
If you're young, healthy, and don't qualify for a tax credit, the marketplace probably isn't built for you. It prices assuming you'll lean on care heavily. You won't. There's a better fit out there.
A cheap premium that wrecks you the moment you use it isn't a deal. We look at the whole picture, premium plus what you'd actually pay out of pocket, and find plans that bring both down.
Deciding you want coverage for the unexpected rarely lines up with open enrollment. We have options January through December, so you're not stuck waiting around for the calendar.
“What stands out most is Forge's professionalism and responsiveness. My broker always takes the time to explain details in clear, digestible pieces, which has made the whole thing so much less overwhelming.”
“They took the time to listen and help us explore what would work best. Within two months we'd saved enough to cover a month's premium. I highly recommend an honest look at your healthcare.”
“Clearwater took the burden off my shoulders. I'm paying $12,000 less a year for a health plan. Under the old pricing I always felt I was taking care of one thing and hurting another.”
Pick a time, meet a real human, and see options year-round. No waiting for one window in the fall to get help.
We go over quotes that fit how you actually live, anywhere from catastrophic-only all the way to fully loaded. You decide where on that line you want to sit.
If you like working with us and the plan fits, we do the enrollment together. No deciphering forms alone at midnight.
And we don't disappear. You get our support team plus one-on-one help from your own broker. We answer the phone, which we're told is rare these days.
Take the 3-minute HealthCare DNA quiz and see the coverage that actually fits a young, healthy person. No jargon, and this ain't a sales pitch.
See your fit (3 min)Because the one thing you can't predict is the thing that bankrupts people. A bad accident or a surprise diagnosis doesn't care how healthy you were last week. The point of a plan like this is to cover the big, unexpected stuff cheaply, so you're not betting your savings against a hospital bill.
Catastrophic-only is a low premium that protects you from the huge bills, with less day-to-day coverage. Fully loaded covers more of the routine stuff at a higher premium. Most young, healthy people land somewhere in between. We show you the whole range and let you pick.
That's exactly who this page is for. The marketplace is priced assuming heavy use and subsidy help. If you get neither, there are plans built for people like you that often run a lot less. We'll show you which ones fit.
Yes. We have options available January through December, so you don't have to wait for one window in the fall. Realizing you want protection shouldn't mean sitting uncovered for months.
It depends on what fits you. We always tell you exactly which one you're looking at. A health share is not insurance, and we never blur that line.
The content on this page reflects our opinions and analysis and does not constitute professional advice. Any information about specific plans, carriers, or providers is based on publicly available information and is for general informational purposes only. For accurate, up-to-date details about plans, benefits, eligibility, or coverage terms, refer to the official documentation or contact the provider directly. We make no representations as to the completeness or accuracy of this information for your situation. Decisions based on this content are at your own risk.
