For people who pay for their own coverage

A new kind of health plan.
About half the usual cost.

Shophealthcare offers a new type of health plan for 1099s, independents, or anyone who pays for their own health coverage.

Keep your doctorscountry's largest PPO network No deductiblefor most visits Coverage tailored to younot your broker

Instant quote - no spam

1 of 5

Where do you live?

90 seconds. 5 questions.
Coverage can start tomorrow.

Nora is online. Ask her about your options.
★ 4.6 · 1,842 reviewsNPN 19482230 · verify at nipr.com
Built for freelancers
AS SEEN IN Forbes FORTUNE yahoo!finance KFFHEALTH NEWS

Better plans for good people.

4.6 / 5 1,842 VERIFIED REVIEWS
★★★★★

“$712 a month down to $290. Same doctors. I read the limits twice looking for the trick. There is not one.”

DANIEL K. · SELF-EMPLOYED · PHOENIX, AZ
★★★★★

“Nora named the caps before I asked and told me exactly what it does not cover. The first honest read anyone selling insurance has given me.”

PRIYA D. · PHOTOGRAPHER · AUSTIN, TX
★★★★

“I scanned my card on a whim. Nora told me my current plan was actually fine. They talked me out of paying them.”

ELENA R. · SUBSTITUTE TEACHER · TAMPA, FL
★★★★★

“Locked mine in on a Sunday afternoon. No call, no wait. Took longer to pick a coffee order than to see my price.”

MARCUS T. · CONTRACTOR · DENVER, CO
★★★★★

“My renewal letter said $894. ShopHealthcare said $402, same national PPO network. I printed both and put them on the fridge.”

SANDRA W. · REALTOR · BOISE, ID
★★★★

“Bridging two years to Medicare. They told me exactly what the plan does not cover before the price. That is why I trusted the price.”

GEORGE M. · RETIRED EARLY · TUCSON, AZ
★★★★★

“Family of four for less than my old individual plan. The health questions took ninety seconds. Nobody has called me since.”

ANA L. · BAKERY OWNER · SAN ANTONIO, TX
★★★★★

“I asked the catch. It told me the catch. A plan that is honest about what it is beats one that hides it.”

KEVIN B. · 1099 DEVELOPER · NASHVILLE, TN

Drag or use the arrows to see more reviews.

Get coverage tomorrow

From quiz to covered in minutes.

Ninety seconds to a real price.
A few minutes to enroll. We won't spam you.

01

Take a 30-second quiz

Five short answers tailor real plans to you. No account, no phone call.

02

Pick your plan and options

Three real prices, side by side. Fit accident, dental, and vision to your life.

03N

Ask Nora anything

Our AI assistant reads your plan, or the one you have now, and names the limits first.

04

Enroll today

Coverage can start as soon as tomorrow. No payment required to apply.

Question one is your ZIP. Your price never changes for answering honestly.

Health coverage that broke the internet

Forget everything you know about health coverage.

ShopHealthcare offers a new, lower-cost kind of plan, priced for your lifestyle instead of everyone else's.

35-year-old healthy male · illustrative
Traditional ACA Marketplace Plan
$487/mo$5,844 A YEAR
Typical unsubsidized silver
ShopHealthcare HPG Plan Bundle
$224/mo$2,688 A YEAR
$203 plan + $21 accident bundle
Who gets inthe honest split
Everyone, by law. No health questions, ever.
Healthy people. Four quick questions decide it. If ACA is your answer, we say so.
Monthly premiumsame person, both quotes
$487Priced to carry everyone.
$224Bundle included. Typically 50 to 60 percent less than a comparable PPO.
Networkwhich doctors work
Often a narrow local HMO.
One of the largest PPO networks in the country.
Deductiblewhat you pay first
$5,000+Before the plan pays anything.
NonePays from your first visit.
Out of pocketa normal year
Deductible plus coinsurance, all year.
Whatever the payout misses. Often nothing; sometimes a gap.
Yearly and lifetime capsthe worst case
No dollar caps. The stronger tool for catastrophic years.
$2,000,000 / yrPer person, $5,000,000 lifetime. High, but real.
Different tools for different people. Ninety seconds tells you which is yours. Illustrative: 35-year-old healthy male, mid-priced state. Accident bundle carries its own $250 yearly deductible, $0 in CA. If the answer is ACA, that is what we will show you.

Get the coverage you need. Nothing more, nothing less.

Save with a new plan, or rightsize your old one.

A 90-second quiz and our AI-assistant will give you her honest opinion.

Maya, 35

Freelance designer. Healthy, pays her own premium

Her plan: ShopHealthcare HPG Bundle
Passes the four health questionsnicotine, pregnancy, conditions, hospital stays
$224 a month, bundle includedtypically 50 to 60 percent less than a comparable PPO
No deductiblethe plan pays the doctor from visit one
Her result
$263saved per month
$3,156saved per year

Same doctors, same national PPO network. Illustrative vs her $487 ACA quote.

Rob, 58

Contractor. Manages type 2 diabetes

His plan: a traditional ACA marketplace plan
×
Ongoing conditionthe health filter is not for him, and we say so in the first minute
Guaranteed acceptance, no dollar capsthe stronger tool when you use care every month
Standard rates, subsidies may helpreal ACA plans, rightsized, no markup
His result
Lower
deductible
than his old plan
Better
coverage
uncapped, guaranteed

A rightsized ACA plan found through ShopHealthcare, no markup.

Get an honest quote in 90 seconds or less.

Start coverage as soon as tomorrow. No payment required to apply.

Profiles illustrative; figures typical and vary by plan and state.

LICENSED BROKERAGE · NPN 19482230 · VERIFY AT NIPR.COM
We'll show you the math

What happens if I get sick or hurt?

Shophealthcare offers coverage designed for you.
No more worrying about crazy hospital bills.

The example plan: Maya's $224/mo bundle $203 plan + $21 accident · 35, healthy · illustrative

1 Pick a scenario 2 Watch the plan pay the bill, step by step

Premier 5000, our most-picked tier, pays more per service: $150 doctor visits, $1,000 per ER day, $5,000 per hospital night in year one. Plan caps: $2,000,000 per person per calendar year, $5,000,000 lifetime.
The Accident ExpenseGuard bundle carries its own $250 per-person calendar-year deductible (max 2 per family per year, $0 in California). Annual bundle max is chosen at purchase: $5,000 / $7,500 / $10,000 / $15,000 / $20,000.

Questions, answered straight.

Still wondering something? Talk to a real person. Call (631) 903-2511.

Is ShopHealthcare legit?

Yes. ShopHealthcare is an independent marketplace operated by Core Value Insurance Associates, LLC, a licensed brokerage in 37 states under NPN 19482230. Look it up at nipr.com before sharing a single piece of personal info.

Is Nora a real person?

Nora is the assistant who guides you through your options. Software, not a person. Quoting runs through Core Value Insurance Associates LLC, and a licensed human handles your final enrollment. You will always know when you are talking to Nora.

What is the catch? How do you make money?

Carriers pay a standard placement fee, the same no matter which plan you choose, so there is no incentive to steer you toward a pricier one. You pay your monthly premium and nothing else. No upsell, no premium tier, no concierge add-on.

What about my data?

Your card is used only to read your plan details, then deleted. Never stored, never resold. You are never asked for your SSN, and carriers only see your details when you choose to enroll. No follow-up spam, no sold leads.

How is this different from a government exchange?

Exchange navigators only show government-marketplace plans. ShopHealthcare is an independent marketplace for the private off-exchange plans available in your state. Nora walks you through them on honest pricing, with no upsell.

Your move

See your number. Then decide.

The whole point is that you should not have to guess. Ninety seconds, your real price, no account. If what you have is better, keep it with our blessing.

No account to see it · Close the tab any time · A person picks up if you want one