Independent · Licensed in 50 states
Health insurance for life's new chapters
Divorce, widowhood, an empty nest, a career change, the years before Medicare — when life turns the page, we find the coverage that fits the next one.
Talks with a real licensed advisor · no SSN, no pressure
One trusted agency across every carrier, every state
50+ carriers, every plan type, every state — we compare them all so you don't have to.
3 weeks vs. same day
Insurance finally works the way you wish it did. We do the comparison so you can enroll in an afternoon — not after a month of forum posts.
On your own
3 weeks of research
I think I had to pick between an HSA-eligible Bronze and a Silver with a copay structure but honestly I'm not sure what the difference is in real dollars. Also the Marketplace asked for my projected 2025 income and I just kind of guessed — hopefully that doesn't bite me on subsidy reconciliation. I also still don't know if my primary care doctor is in-network for either of them, and Reddit is split 50/50 on Ambetter vs Oscar in my zip code. Open enrollment ends in 9 days.
With New Chapter
Same-day enrollment
Based on your zip, your projected income, and your existing PCP, the Silver 73 plan from Oscar lands $0/month after the advance premium tax credit, keeps your doctor in-network, and has the lowest out-of-pocket max in your tier. Your Special Enrollment Period from the divorce closes November 14 — we filed today, ID card by Friday, coverage starts December 1. Total time: 42 minutes on the phone.
Made for the chapter you're in
Select one to see how the plan changes for that moment.
Recently divorced
Suddenly your coverage, your call.
Loss of coverage through a spouse counts as a Qualifying Life Event — your Special Enrollment Period opens for 60 days. We run the subsidy math on your new household income, check whether the kids stay on the ex's plan or move to yours, and pick a plan that keeps your providers in-network.
- Subsidy review on new income
- Pediatric / CHIP comparison
- SEP filed before the 60-day clock runs out
Special Enrollment Period
Life changed. So can your plan.
Most life transitions — divorce, loss of a spouse, an adult child aging off your policy, a job change, or a move — open a 60-day Special Enrollment Period outside the normal Open Enrollment window.
We confirm your qualifying event, file the paperwork, and get a card in your wallet inside that window.
Subsidy estimate
Know your number in 60 seconds.
ACA premium tax credits are based on projected household income — and they almost always change when your life changes. We model the new number on the call so you see real dollars, not a marketing range.
Questions you may be carrying.
If you were on your spouse's employer plan, coverage usually ends on the last day of the month your divorce is finalized — though many plans offer a short grace window. Either way, divorce qualifies you for a 60-day Special Enrollment Period on the ACA marketplace.
Most employer plans offer COBRA continuation for up to 36 months for surviving spouses, but at the full premium with no employer contribution. We compare COBRA to ACA plans side-by-side so you can see the real numbers.
Yes. Both divorce and the loss of a spouse are qualifying life events. You typically have 60 days from the event to enroll in an ACA plan outside of Open Enrollment.
Subsidies are calculated on the income you expect to earn this year — not last year. After a divorce or loss, your income often drops, which can mean significantly larger premium tax credits than before. We re-run the math with your projected new income.
Children can stay on either parent's plan after divorce, depending on the custody and insurance terms in your decree. If kids are on a late spouse's employer plan, they're also eligible for COBRA. CHIP and marketplace plans are often the most affordable option — we compare all three.
Yes — that's mostly what we do. A first call with us doesn't commit you to anything. We'll answer questions, point out the deadlines that actually matter, and send you a written summary so you can think it over without pressure.
By law, ACA-compliant plans cover mental health and substance use services at the same level as physical health — therapy, psychiatry, and treatment. Coverage details and in-network counselors vary by plan, so we cross-check before you enroll.
You can switch during Open Enrollment each year (Nov 1 – Jan 15) or any time you experience another qualifying event. We stay on the line through the policy year so you're not figuring this out twice.
No. Our advisors are paid by the insurance carriers when you enroll — never by you. The plan price is identical whether you enroll through us, through the marketplace directly, or through the carrier. The difference is whether you have someone to help you compare.
Longer than most insurance calls — by design. A first conversation is often 30–45 minutes. We don't rush you, and we don't pretend a complex decision can be made in five minutes.
Ready when you are
Start your next chapter, calmly.
No SSN required. Talk to a real licensed advisor in your state — not a script.