Our Story

15 Years Helping People Choose Coverage Confidently

We're an independent agency — not tied to any one carrier — so our advisors recommend what actually fits your life, your family, and your business.

Origin

Meet Quotes started because
the marketplace tool was wrong.

In November 2019, our founder — a software engineer in Austin — sat down to renew his family's health plan on healthcare.gov. The estimator quoted $612/month. He ran the same household numbers against three carriers' broker APIs and got $341/month for an identical Silver plan in the same network. Same coverage. Same doctors. $3,252/year cheaper.

The gap wasn't a bug in healthcare.gov — it was a UI choice. The marketplace tool optimizes for "show the user a plan, any plan, fast." It can't model multiple AGI scenarios, can't cross-check specific doctors, can't compare off-exchange options, and silently rounds your subsidy down.

So we built a quote process designed around the opposite optimization: get one accurate PDF in front of a real person, fast, even if they never buy. That's still the whole company.

The Meet Quotes broker team reviewing carrier rate sheets
31,400+
Quotes delivered to date
17 hr
Median time to PDF
$2,418
Avg yearly savings on switches
1 of 4
Quotes end in no enrollment — that's fine

How we operate

Quotes are a product, not a lead-magnet
The quote PDF itself is the deliverable. If you never call us back, you still walked away with a real comparison you can use anywhere. That's the whole pitch.
One agent per request
The licensed human who builds your quote is the same one who answers questions about it. We don't pass you down a chain or route by call queue.
Speed is a feature
Median 17-hour turnaround isn't a marketing number — it's a hard internal SLA. If we miss it, the agent gets an automated nudge, then a Slack ping, then a manager review.
Boring data beats clever pitches
Every recommendation is anchored to live carrier rates, the current APTC tables, and your specific network needs. No "trust me" — every number on the PDF is sourced.

Timeline

2019
Founded as a side project pricing one family's renewal
2021
First licensed agent hired; quote turnaround SLA introduced
2023
Broker portal expanded to all 50 states + 50+ carriers
2024
Triple-stack and subsidy-audit quote types launched
2025
31,400+ quotes delivered · median 17-hour turnaround · 4.9★ rating
What we promise

One accurate quote. One licensed human. Under 24 hours.
No fee. No spam. No surprise call queue.

Side by side, not one at a time

What you get here
vs. what you get there.

Four head-to-heads against the two places most people get a single quote first - healthcare.gov and single-carrier quote tools.

How many quotes you see
Healthcare.gov shows on-exchange plans one at a time. A single-carrier quote tool shows exactly one price, with nothing to measure it against.
-> Multiple carriers - ACA, off-exchange, short-term, and supplemental - lined up on the same screen so you can compare them directly.
Subsidy accuracy
The marketplace estimates your subsidy from a single AGI guess, and getting it wrong can mean owing money back next tax season.
-> We show your estimated subsidy applied to each carrier's quote, so you can compare true out-of-pocket cost, not just sticker price.
Who you can ask for help
Captive agents who only sell one carrier. AI chatbots that can't read a benefits booklet. Call-center reps reading a script.
-> You can compare on your own, or ask a licensed broker in your state to review the comparison with you before you decide.
What happens to your info
Some lead-gen sites resell your contact information to many captive agencies, leading to a flood of unwanted calls.
-> Your comparison request is handled under our privacy policy, which discloses who it may be shared with. Deletable on request.
Illustrative examples

What a side-by-side
comparison can show.

These are illustrative examples of how comparing multiple carriers can play out, not verified customer testimonials. First names only, and results vary by ZIP, age, income, and the carriers available in your state - nothing here is guaranteed.

“I only had one quote to look at until I ran it here. Seeing a second carrier's price for the same ZIP next to the first one made the choice a lot clearer.”

Quote 1Carrier A quote shown
Quote 2Carrier B quote shown
Lower premium, same metal tier
Maria R.
Freelance designer, Miami, FL

“As a small business owner, I assumed our group renewal quote was the going rate. Comparing it against a couple of other carriers side by side showed that was not the case.”

Quote 1Group renewal quote
Quote 2Alternate carrier quote
Different price, same coverage tier
James T.
Small business owner

“After a layoff, COBRA felt like the only option. Comparing a Marketplace quote next to it side by side showed a plan that still covered our pediatrician for less.”

Quote 1COBRA quote
Quote 2Marketplace quote
Lower monthly premium
Sarah L.
Parent, Austin, TX

“I was between jobs and had only compared one short-term plan. Lining it up next to an ACA quote showed a real difference in what my prescriptions would cost.”

Quote 1Short-term plan quote
Quote 2ACA plan quote
Different premium and Rx coverage
David P.
Pre-Medicare, Chicago, IL

“Aging off my parent's plan, I wasn't sure where to start. Comparing a few carriers side by side let me pick with my own dentist and therapist still in-network.”

Quote 1No plan on file
Quote 2Comparison of several carrier quotes
Coverage started with no gap
Aisha N.
Nurse, Houston, TX

“Going from W-2 to self-employed made my subsidy hard to predict. Comparing quotes across a few carriers helped me find one that held up across different income scenarios.”

Quote 1Single carrier quote
Quote 2Comparison across carriers
Subsidy-aware across income range
Ryan C.
Self-employed, first year