Young professionals
Just starting out, no employer plan
If your job doesn't offer coverage — or you're between jobs — we'll find you an ACA plan with subsidies. Many members in their 20s and 30s end up paying under $100/mo.
Now serving 50,000+ members
Health coverage built
for the way you live.
MedCoverage matches you with a licensed agent who shops every major carrier and emails your personalized plan options. No SSN. No 40-page forms.
Covered in
12 minutes
Agent online now
50k+Members covered
4.9★Member rating
12 minAvg. enroll
50States licensed
$0Service fee
We shop every major carrier on your behalf
Coverage Library
Pick the plan that fits your life.
Every category we cover is shopped across every major carrier — and personalized by a real human on the call.
Most popularIndividual Health
Built for solo flyers — freelancers, gig workers, between-jobs, between-everything. ACA-qualified major medical with real subsidies, picked in minutes.
Explore plans
Family Coverage
One plan that actually covers your kids, partner, and you. Add dental and vision in the same call.
Explore
Dental & Vision
Cleanings, fillings, glasses, contacts — bundled or standalone, starting around $15/mo.
Explore
Short-Term Health
Need coverage for 1–12 months? Bridge plans that kick in tomorrow — perfect between jobs.
ExploreWho it's for
Built for the way
you actually live.
MedCoverage members are mostly 25–42, mobile-first, and tired of insurance shopping that feels like a tax audit.
Young families
Real coverage for the whole crew
Kids, partner, in-laws, the whole picture. A family plan that covers everyone — with dental + vision bundled so the back-to-school checkups don't sting.
Freelancers & creators
Coverage that flexes with your income
1099, LLC, side-hustler — whatever the tax form says. We work with variable income earners every day and time enrollments around your real numbers.
How it works
From email address
to covered, same day.
We replaced the spreadsheet-and-forms ordeal with a 3-step flow that feels closer to signing up for Spotify than buying insurance — and everything stays in your inbox.
Your email
you@email.com
Why MedCoverage
Insurance shopping,
redesigned for humans.
We took everything that makes traditional insurance painful — the forms, the upsells, the call-center maze — and replaced it with one email field and one clear written quote.
1hrAvg. reply
Email-first, written record
Drop your email. A licensed agent sends your tailored options in writing — clear comparisons you can re-read on your own time, with zero pressure calls.
50+Carriers
Every major carrier, side-by-side
We're independent, so we shop BlueCross, United, Aetna, Cigna, Humana, Kaiser and your strongest regional carriers — all compared in one email.
$0Service fee
Free, always
$0 to use MedCoverage. Carriers pay us a standard commission — identical whether you go direct or through us. You get an advocate for the same premium.
50States licensed
A real human, no jargon
Your agent is state-licensed, writes like a person, and stays with you year over year — for renewals, life changes, and the weird claims questions.
Plan Options
Plan OptionsThe Right Plan,
Built Around You.
Every plan includes free enrollment support and a dedicated licensed agent who works for you, not the carriers.
Individual Essential
Personalizedcoverage
Perfect for healthy individuals ages 18–35
- Preventive Care 100% Covered
- Primary Care & Urgent Care
- Generic Prescriptions Included
- Telehealth Visits
- Mental Health Coverage
- Free Enrollment Support
Preventive Care 100% Covered Most Popular
Most PopularFamily Complete
Tailoredfamily plan
Full family coverage — everyone protected
- Full Family Medical Coverage
- Pediatric & Maternity Care
- Dental & Vision Bundled
- Specialist & Hospital Care
- Prescription Drug Coverage
- Dedicated Family Advisor
Small Business Group
Customgroup quote
Tailored group plans for 2–200 employees
- Group Health Insurance
- Group Dental & Vision
- Life & Disability Benefits
- Section 125 Plan Setup
- HR Benefits Portal Access
- Dedicated Business Advisor
Loved by members
The reviews speak
for themselves.
50,000+ members. 4.9-star average. Three of them, below.
"I thought getting health insurance was going to be a weekend-eating nightmare. A few emails later I had a plan that was actually $80 cheaper than what I was paying."
Maya R.Designer · Brooklyn NY
"Honestly the only reason I replied was because they only asked for my email. No survey, no SSN. The agent shopped four carriers and sent me a side-by-side."
Jordan T.Software Engineer · Austin TX
"Between jobs with two kids, I was panicking. MedCoverage emailed us a bridge plan that started the next day. Felt like having a friend in the industry."
Priya S.Product Manager · Denver CO
Free quote
Get covered in
under 12 minutes.
Answer a couple of quick questions. A licensed MedCoverage agent emails your tailored plan options — comparing every major carrier on your behalf, in writing.
- Licensed insurance agency in all 50 states
- Compare plans from 50+ carriers in one place
- No SSN or phone number required to get a quote
- Free service — no obligation to enroll
- Real licensed agents reply in writing, not robots
Step 1 of 5Who you are covering
Who are you searching for?
We'll tailor your options based on who needs coverage.
FAQ
Questions,
answered.
Real answers, written by humans. Anything missing? Your agent will cover it on the call.
Most MedCoverage members get a personalized email back from a licensed agent within an hour of submitting their address, and are enrolled in a plan the same day. The full process — quote, plan comparison, paperwork, and confirmation — happens entirely over email. No multi-day waiting, no portal logins, no phone tag.
Traditional insurance sites front-load 40+ fields before they'll show you a single plan. We do the opposite. One email address lets a real, licensed human reach out in writing, ask only what's actually needed, and shop carriers for you. We never ask for your SSN or phone number to get a quote — only the minimum information needed to bind a policy you choose.
We're independent, so we compare plans from every major national carrier — BlueCross BlueShield, UnitedHealthcare, Aetna, Cigna, Humana, Kaiser Permanente — plus the strongest regional carriers in your state. You see the best options for your zip code, not a single carrier trying to sell you their plan.
Zero. MedCoverage is 100% free for members. We're paid a standard commission by the insurance carrier when you enroll in a plan — and that commission is identical whether you go through us or directly to the carrier. You pay the exact same monthly premium either way, but with us you get an advocate who actually shops the market for you.
Yes. Most members bundle dental, vision, and supplemental coverage on the same call. Your agent will quote standalone plans starting around $15/month or bundled options that often cost less than buying them separately. Tell your agent what you want covered and they'll line up the options.
Losing or changing jobs is a 'qualifying life event,' which means you can enroll in a new plan right now even outside Open Enrollment. Depending on your situation we'll show you ACA marketplace plans (often with subsidies that drop your premium dramatically), short-term coverage as a bridge, or COBRA alternatives. Most of our members find a better, cheaper plan than COBRA in the first call.
Yes — family plans are one of our most common signups. We'll cover you, your spouse, and your kids on a single policy, or build a mixed plan if different family members have different needs (e.g. one parent on an HSA plan, kids on a richer copay plan). Stepchildren, adopted children, and dependents up to age 26 all qualify.
Real insurance. Every plan we offer is a fully licensed major medical, dental, vision, or supplemental policy issued by a state-regulated carrier — with a real network, real benefits, and ACA-compliant coverage where applicable. We don't sell discount cards, health-sharing ministries, or any product that won't show up on your insurance card.
Then keep it. Our agents will tell you honestly if your current coverage is a good deal — and if it is, they'll say so and end the call. If we find a better-priced or better-fit plan, you'll see the side-by-side comparison and decide. Zero pressure, zero gimmicks.
Yes. MedCoverage is licensed in all 50 U.S. states and Washington D.C. Every agent you'll speak with is individually state-licensed for the policies they sell you, and we proactively maintain continuing education and compliance in every market.