Above the subsidy range, most people pay full price for a plan that doesn't even include their doctors. See what a private plan in your state could cost — explained by a licensed advisor, not a call center.
Check my options →Takes about 2 minutes · Won't affect your current coverage · No obligation
Self-employed & 1099
If you're paying full price on the marketplace, private underwritten plans are often where healthy, higher-income households find meaningful monthly savings.
Retiring before 65
The years between your last paycheck and Medicare are the most expensive coverage years of most people's lives. Comparing paths matters most right here.
Families who want choice
Keep your pediatrician and specialists, know your costs, and stop paying for a network you can't actually use.
Answer a few simple questions. Your state, your situation, your budget. We never ask about your medical history online.
Get an honest read on where you'd save. We place private coverage — and if a subsidized marketplace plan is genuinely your better deal, we'll tell you that and point you to HealthCare.gov.
Talk to a licensed advisor — once. One unhurried call to compare real plans, real networks, and real monthly numbers. You decide from there.
SmartHealthMatch is a free health insurance matching service for self-employed people, 1099 contractors, small-business owners, and people retiring before 65. You answer a two-minute check, and you are matched with one licensed health insurance advisor in your state, in English or Spanish, who compares marketplace plans, full-price plans, and private underwritten plans for your household. Advisors are licensed in 48 states. Your information is never sold or shared with other agents. The service is operated by Smart Health Match LLC and costs nothing to use; advisors are paid by insurance carriers.
“Private Coverage vs. ACA: A Clear Comparison” — a straightforward, no-jargon explanation of how the two paths differ on price, networks, and enrollment, and which households save with each.
Read the free guideLicensed advisors in the SmartHealthMatch network serve 48 states — see what coverage looks like where you live.
This is the part most quote sites get wrong. Here's exactly what happens to your information.
Read our privacy policy. Consent is not a condition of purchase.
Yes. The check is free and there is never a fee to work with an advisor — licensed advisors are paid by insurance carriers when a policy is issued, never by you.
No. Unlike big quote sites, your information is never sold or auctioned. It goes to one licensed advisor matched to your state, and no one else.
Then that is exactly what you will be told. We place private coverage, and if a subsidized marketplace plan or guaranteed-issue protection is the better answer for your household, your advisor will say so and point you to HealthCare.gov rather than sell you something that fits us better.
Licensed advisors in the SmartHealthMatch network currently serve 48 states — every state except Alaska and Hawaii. The coverage check accepts every U.S. ZIP code and matches you with an advisor licensed in your state.
No. The online check never asks about your medical history. If you later choose a plan that requires underwriting, that happens directly and securely with the insurance carrier.
During business hours, high-priority checks are often returned within the hour. You choose how you are contacted — call, text, or email first — and you can book a call time yourself right from the results page.