We’re an independent, privately-operated provider of consumer healthcare information, operating since 2006. We’re different than HealthCare.gov, which is a government website launched in 2013 as part of the Affordable Care Act (“ACA”), and have been in business far longer as a website and company. From HealthCare.com, you can shop around for healthcare marketplace plans (i.e., the same plans available on HealthCare.gov), and other state-based exchanges. In addition, we may display plans that are sold by insurance carriers that meet federal standards to be a qualified health plan ( as defined by the ACA), but are not sold at HealthCare.gov or your state exchange. We do not actually sell health plans ourselves, but work with licensed entities.
Our website helps you calculate if you are eligible for a subsidy. We provide only an estimate. You can apply for and buy a plan online at HealthCare.gov (or a state exchange website), through a web-based entity as defined by the ACA, or from licensed insurance agents. We partner with both web-based entities and licensed insurance agents to enroll consumers. You officially calculate and apply for a subsidy at the time of purchase. If you are eligible for a subsidy, you can apply for qualified health plan (as defined by the ACA) through insurance carriers and certified, licensed insurance agents that partner with us.
Here are important facts straight from HealthCare.gov confirming that health insurance can be (and most-often is) purchased outside of the federal exchange website:
“Many insurance agents and brokers can also help you apply for and enroll in Marketplace health coverage. Contact an agent or broker to learn more.”
“You can also get insurance outside the Marketplace--through a private insurance company, an online insurance seller, or an agent or broker.”
Our business model is to: 1) aggregate a comprehensive set of plan options – including both on-exchange and off-exchange plans – from public and private sources, 2) develop industry-leading tools, data and technology to help consumers select a plan, and 3) match consumers with multiple purchase options – online, over the phone or directly with a certified, licensed insurance agent. We generate revenue from agencies and carriers by facilitating plan purchases. We also generate some targeted advertising revenue from the website. Our services are free to consumers.
Learn more about who we are and what we do by visiting our About Us page.