Plug in three numbers. A licensed agent runs your ZIP against every carrier in your state, applies your subsidy, checks your doctors, and sends back a single PDF with the real prices — usually before tomorrow morning.
*Across clients who switched plans in 2025.
Comparing live quotes from 50+ carriers
OscarMolinaAmbetterBright HealthAnthemWellpointCenteneHighmarkFlorida BlueHealth NetFriday HealthCareSourcePriority HealthIndependenceGeisingerSentaraPremeraRegenceTuftsHarvard PilgrimMedicaSanfordMercy CareUPMCBCBS TexasBCBS IllinoisOscarMolinaAmbetterBright HealthAnthemWellpointCenteneHighmarkFlorida BlueHealth NetFriday HealthCareSourcePriority HealthIndependenceGeisingerSentaraPremeraRegenceTuftsHarvard PilgrimMedicaSanfordMercy CareUPMCBCBS TexasBCBS IllinoisThree fields are enough to price every ACA, off-exchange, and supplemental plan in your ZIP. We don't ask for SSN, income docs, or a credit pull to start.
Our broker portal queries the federal Marketplace API plus 50+ direct carrier feeds. Every plan in your state, every metal tier, with your subsidy already applied.
A licensed human in your state opens the list, cross-checks your doctors against each network, flags hidden drug-tier costs, and trims it to the 3–5 plans that actually fit.
One PDF. Side-by-side premiums, deductibles, MOOPs, network notes, and the agent's pick — with a short Loom walking through the trade-offs. Reply or ghost. No follow-up loop.
Carrier brochures bury the numbers that matter — deductible vs. premium, Rx tiers, copay ladders, network depth. Your Meet Quotes PDF puts all ten on one page, ranked by what you told us you care about.
"What's cheapest?" and "Which plan keeps my oncologist?" are different problems. Pick the quote that matches your real question — and we'll build the comparison around it.
You're shopping ACA and off-exchange health plans for the first time, or post-life-event. We rank every option in your ZIP and flag the 3 that actually match your usage profile.
You're already enrolled but think you're overpaying. We re-price your current plan with this year's APTC tables, your AGI, and household changes — then show the delta.
Keeping your current doctors is non-negotiable. Send us the names — we only quote plans where every provider on your list is in-network, even if it costs more.
Health + dental + vision priced together, then re-priced unbundled, so you see whether bundling actually saves you money or just locks you into worse networks.
Your high-deductible plan leaves a $7K hole. We price accident, hospital indemnity, and critical-illness riders that pay cash directly to you — and show which gap they actually plug.
You're a founder or HR lead pricing group benefits. We pull SHOP, ICHRA, and direct-carrier group quotes side by side, with employer contribution scenarios at 50% / 70% / 100%.
Four head-to-heads against the two places most people get a quote first — healthcare.gov and the lead-gen comparison sites.
Each card shows the plan they were on, the plan they switched to, and the actual annual savings. Names initialized for privacy; numbers are not.
“Healthcare.gov quoted me $612. Meet Quotes ran the same ZIP and found a Cigna Silver plan with the same network for $341 after my recalculated subsidy. I'd been overpaying for 14 months.”
WasAetna Bronze · $612/moNowCigna Silver · $341/mo− $3,252 / yrMaria R.Freelance designer · Miami, FL · age 34
“We have 18 employees and were getting reamed on group renewal — 28% jump. They quoted us SHOP, ICHRA, and a level-funded option in 48 hours. Saved $41K a year and our team got better dental.”
WasBCBS Group · $11.2K/moNowLevel-funded · $7.8K/mo− $40,800 / yrJames T.Owner · Thompson Plumbing · 18 staff
“COBRA quoted me $1,840/mo for the family after my husband's layoff. The Meet Quotes agent found us a Marketplace Gold plan with our pediatrician still in-network for $312. Took her under a day.”
WasCOBRA family · $1,840/moNowOscar Gold · $312/mo− $18,336 / yrSarah L.SAHM · Austin, TX · family of 4
“I was 61, between jobs, on a $700 short-term plan that didn't cover my BP meds. They found an ACA Silver plan that did, for $228 after subsidy. Three of my four prescriptions dropped to $10.”
WasShort-term · $700/moNowAmbetter Silver · $228/mo− $5,664 / yr + RxDavid P.Pre-Medicare bridge · Chicago, IL · age 61
“I turned 26 in October and panicked. Got a quote at 9pm Tuesday, picked a plan by Thursday, coverage started November 1 with zero gap. My old dentist and my therapist are both in-network.”
WasParent's plan (aged out)NowBCBS Silver · $147/moFirst plan, no gapAisha N.Nurse · Houston, TX · age 26
“Switched from W-2 to 1099 mid-year. My subsidy was a guess and I was terrified of owing it back at tax time. They modeled three AGI scenarios and got me a plan that worked at all three.”
WasEmployer PPO (lost)NowOscar EPO · $186/moSubsidy-safe across $40–80K AGIRyan C.Solo founder · year one self-employed
A few quick questions. A licensed Meet Quotes advisor or one of our marketing partners will reach out with plan options that match your needs.
We'll tailor your options based on who needs coverage.
What we ask for, what happens after submit, what we do with your data, and what makes our quotes different from the marketplace tool.
ZIP, age, and household type. That's it to start. Once you click submit, an optional second page asks for tobacco use, household income (for subsidy math), and the names of any doctors you want kept in-network. We never ask for SSN, driver's license, or credit info to produce a quote.
Median turnaround across 2025 was 17 hours. Same-day quotes are common for requests submitted before noon CT. Quotes for small groups (2–200 employees) take 24–48 hours because we re-quote with each carrier's underwriting desk. You'll get an email when it's ready — no need to refresh anything.
One licensed agent in your state, exactly once, after your PDF is delivered. They follow up via the channel you picked (email, text, or call) to walk through the trade-offs if you want. If you ghost, they ghost back. No drip campaigns, no resold leads, no "checking in" six weeks later.
No. Your quote request goes to one Meet Quotes agent, encrypted in transit and at rest. We don't sell, rent, or syndicate leads. You can request full deletion at any time via the privacy request page — turnaround is under 7 days. See our privacy policy for the legal version.
No fee, no catch. We're licensed insurance brokers — carriers pay us a commission when you enroll, exactly the same commission whether you buy through us or directly from them. Plans cost the same on every channel by federal law, so going through us is genuinely free for you.
That's fine. About 1 in 4 quote requests don't end in an enrollment — sometimes the current plan really is the best option, sometimes a life event resolves before the SEP closes. We don't pressure, follow up endlessly, or hold the quote hostage. You keep the PDF either way.
Yes — request the triple-stack quote on the products page. We'll price health, dental, and vision together (bundled) and separately (à la carte) on the same PDF, so you can see which actually saves money. Supplemental and short-term plans can be added to either path.
That's our subsidy audit quote. Send us your current carrier, plan name, and household income for this year. We re-price the same plan with current APTC tables and show you the delta — plus three cheaper plans in the same network if they exist. Average savings on switches: $2,418/year.
Pick the network match quote. You send us the doctor names (or upload a screenshot of your contacts list). We only quote plans where every named provider is verified in-network at the time of quote — we re-check the carrier's live directory, not just the marketplace tool.
Maybe not. The list of qualifying events that open a Special Enrollment Period is longer than most people think — loss of coverage, marriage, divorce, birth, adoption, move, citizenship, household-income changes that affect subsidy eligibility, and more. Submit a quote anyway; the agent will tell you whether you have an SEP within 24 hours.
Every metal tier in your ZIP
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