About the Quote Itself

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.