We're licensed, independent agents who compare every major carrier for you — so you keep your doctors, maximize your subsidy, and pay nothing for the help. No bots. No bait-and-switch.
Plans from America's leading carriers
Our agents are compensated by carriers, not by you. Consultations, plan comparison, and enrollment are 100% free.
Licensed humans. Real phone calls. Most clients are reviewed, quoted, and enrolled in a single conversation.
Instead of pitching one plan, we compare the whole market — so the plan you choose is the one that truly fits.
When you work with Prime One Health, you're assigned a licensed agent who works for you, not the carrier. Here's what that actually looks like.
No hourly rates. No consulting fees. Your dedicated agent compares plans, handles paperwork, navigates subsidies, and stays with you all year — without charging you a dime.
Truly free, alwaysWe verify networks before recommending a plan — so your pediatrician, specialist, therapist, and pharmacy all stay exactly where they are.
Networks checked in advanceBecause we shop the full marketplace, we routinely cut client premiums by 30–50%.
Most Americans qualify for ACA tax credits — we find every dollar you're entitled to.
Licensed in states across the country. Wherever you move, we move with you.
We review your medications, procedures, family size, and budget before recommending anything. No spray-and-pray — just a plan designed around what you actually use.
Personalized to your familyBilling confusion? Claim denied? Life event? Your agent is reachable all year. The relationship doesn't end at enrollment — it begins there.
Ongoing supportNo forms to puzzle over. No fine print to decode. One call with a licensed agent takes you from "I need coverage" to "I'm covered."
A few basics — zip code, household size, budget, doctors you want to keep, medications you're on. Five minutes, nothing more.
Free · 5 minYour agent compares the full marketplace, runs your subsidy eligibility, and presents only the plans worth your attention — in plain English.
No obligationPick the plan that fits. We handle the paperwork, submit the application, and stay with you year-round for claims, changes, and questions.
Covered · ProtectedThese are the moments our agents get on the phone with — the ones that rarely make it into a sales brochure.
When my husband passed unexpectedly, I was drowning — not just in grief, but in medical bills he left behind. Maria didn't just find me a plan. She sat on the phone with me while I cried, walked through every option, and made sure I was covered before the next bill came.
Our 8-year-old was diagnosed with Type 1 diabetes last spring — the insulin alone was going to bankrupt us. Prime One Health found us a plan that covered her endocrinologist, her pump, and every supply. For the first time since the diagnosis, we could breathe again.
I'm a single mom working two jobs. I always thought insurance was something I couldn't afford. They found out I qualified for a subsidy I didn't even know existed. Now my kids and I all have real coverage. I cried when I got my insurance card in the mail.
I lost my job last spring and the COBRA quote alone would have eaten my entire severance. My Prime One Health agent found me an ACA plan that kept both my doctors, came in under a third of the COBRA premium, and was active before my old coverage even lapsed. I went from panicking to enrolled in 48 hours.
They found the tumor at a routine check-up I almost skipped. When "stage 2 breast cancer" came back, my world stopped. My agent David didn't. He made sure my plan covered my oncologist, chemo, reconstruction. He called me every week to check in. Not as an agent — as a human being.
We're both retired on Social Security. My husband needed a knee replacement for years, but we kept putting it off because we were afraid of the cost. Prime One Health found us a Medicare Advantage plan that covered the surgery with almost nothing out of pocket. Watching him walk without a cane for the first time in five years — I can't put that into words.
Life doesn't wait for open enrollment. One diagnosis, one ER visit, one accident can reorder a household's finances for a decade. Coverage is what keeps a difficult year from becoming a permanent setback. A Prime One Health agent can help you close those gaps before you need to.
About two-thirds of personal bankruptcies in America are tied to medical expenses. With enhanced subsidies expiring and premiums climbing roughly 18% nationally in 2026, the right coverage has never mattered more. Here's what's on the line.
That's what you could owe without adequate coverage. Hospital costs have nearly doubled since 2004 — one unplanned admission can erase years of savings.
A Prime One Health agent finds plans that shield you from these costs — completely free to start.
Get my free quoteYou don't need to memorize acronyms. You need someone who'll translate them against your actual situation. Here's the map. Your agent draws the line.
Requires a primary care doctor and referrals for specialists. Lower premiums and out-of-pocket costs, limited to in-network providers except in emergencies.
See specialists without referrals. Visit out-of-network providers at higher cost. More flexibility than an HMO, typically with higher premiums.
Purchased from an insurer or through an employer — not through a government marketplace. Costs and benefits vary widely; ACA-compliant plans follow federal rules.
Plans sold through federal or state marketplaces. Must cover essential health benefits, can't deny pre-existing conditions, and many qualify for income-based subsidies.
Prime One Health is an independent agency. We don't answer to a single carrier — we answer to the families on the other end of the phone. That changes the math of every recommendation we make.
When you work with Prime One Health, you're working with people whose only job is to put your family's wellbeing ahead of any commission, any quota, any pitch.
Every recommendation starts and ends with the people who'll actually use the plan — never the spread on the policy.
No sales script. No upsell. If the cheaper plan is the right plan, that's the one we put in front of you.
Claim confusion, billing question, life event — your agent stays your agent. The relationship doesn't end at enrollment.
Share a few details and a licensed Prime One Health agent will reach out — usually within one business day. No obligation, no pressure.
A licensed Prime One Health agent will be in touch shortly.
Tell our team what matters to your family, and let us do the comparing. No pressure, no obligation.