What does it cost to use CoverageCo?

Nothing. Our help is completely free to you — we're compensated by the insurance carriers, so you get a licensed agent at no cost.

What kind of plans can I get?

Individual and family health plans available through the Health Insurance Marketplace in the states where we're licensed, plus other options we're appointed for.

Could I qualify for lower premiums?

Many households do. Whether you qualify — and for how much — depends on your income, household size, and location. We'll help you check quickly.

Can I keep my doctor?

Often, yes — it depends on the plan's network. We'll help you check that your doctors and prescriptions are covered before you enroll.

During Open Enrollment, or any time you have a qualifying life event (like a move, marriage, new baby, or loss of coverage) that opens a Special Enrollment Period.

Is CoverageCo part of the government?

No. CoverageCo (The Coverage Company) is a private, licensed insurance agency. We are not affiliated with or endorsed by the U.S. government, the federal Health Insurance Marketplace, Healthcare.gov, or any state or federal agency.

Learn

Health insurance, finally in plain English.

No jargon, no sales pitch — just clear answers to what Marketplace coverage is, how plans and costs work, and how to pay less. Read what you need, skip what you don't.

Start here · 4 min

How Marketplace health plans work

The Health Insurance Marketplace is where individuals and families buy private health plans. Here's the plain-English version of what that means for you.

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Choosing a plan · 4 min

Bronze, Silver, Gold & Platinum, explained

Marketplace plans come in "metal" tiers. They don't change the quality of care — they change how you and the plan split the costs.

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The fine print, decoded · 5 min

Premiums, deductibles & the words that confuse everyone

Premium, deductible, copay, coinsurance, out-of-pocket max — here's what each one actually means and how they fit together.

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Lowering the cost · 4 min

Savings & subsidies: could you pay less?

Many households qualify for help paying their monthly premium. Whether you do — and how much — depends on your income, household size, and the rules in effect for the year.

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Timing · 3 min

When you can actually enroll

You can't sign up just any day of the year — unless life changes. Here's how Open Enrollment and Special Enrollment Periods work.

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The plain-English glossary

Every confusing term — deductible, coinsurance, network, subsidy — defined in one sentence. Searchable.

Open the glossary

CoverageCo (The Coverage Company) is a licensed private insurance agency. These guides are general education, not legal or financial advice, and we are not affiliated with or endorsed by any government agency. Plan details and savings vary by location and eligibility.