Voice-first health coverage
Health coverage that finally makes sense.
Skip the 40-page brochures. Tap once, talk to Freya — she learns what matters to you, compares real plans at real prices, and stays with you until you're covered. No jargon, no pressure.
Freya
Your health-plan guide
60%
potential savings vs. typical premiums
$10k
a year members can keep in their pocket
24
plans matched to your life, not a brochure
1
guide who never rushes you — Freya
Who it's for
One guide. Every kind of buyer.
Finally, benefits designed around you.
You work for yourself — your benefits should work for you too. Freya learns your doctors, your prescriptions, and your budget, then matches you to the right plan at the right price.
- Pay only for what you need — nothing more
- Keep your doctors with the widest networks available
- $0 preventive care on major medical plans
- Real humans (and Freya) when you need help
“Freya found me a PPO that kept my doctor and cut my premium nearly in half.”
— Member, Austin TX
The lineup
Four ways to get covered. Zero confusion.
Freya will help you pick — but here's the lay of the land. Real plans, real numbers, no fine-print games.
Most popular
Major Medical PPO
Full-strength coverage on Cigna PPO or Open Network. $25 PCP copays before the deductible on most plans, $0 preventive care, real out-of-pocket maximums.
- $3,500–$10,000 deductible options
- Cigna PPO or Open Network
- HSA-qualified options available
The new way to pay
SmartPay 4000
Pre-negotiated cash prices for care, without the insurance maze. A radically simpler way to handle everyday healthcare costs.
- Upfront cash pricing
- No networks to navigate
- Pairs with other coverage
SmartPay is a cash-pay program, not insurance.
Simple & affordable
Limited Benefit
Fixed copays for the care you use most, with no deductible to clear first. Honest, straightforward coverage for routine needs.
- $0 deductible
- Fixed copays for routine care
- Clear usage caps, no surprises
Extra protection
Supplemental
Accident, critical illness, and gap coverage that pays cash directly to you when life throws a curveball.
- Cash paid to you
- Stacks with any major medical
- Affordable monthly cost
Live premiums. No email required to look.
Meet your guide
Buying insurance shouldn't require a translator.
Freya is a voice AI trained on thousands of real consultations with licensed agents. She guides you the way the best human agents do — patiently, honestly, and in plain English.
She listens first
Freya asks about your life — your doctors, your meds, your budget — before she mentions a single plan.
She knows the math
Premiums, deductibles, copays, networks. She compares all 24 plans against your situation in seconds.
She speaks human
No 'cost-sharing reductions' lectures. She explains it like a friend who happens to be an expert.
She never pushes
If the marketplace is honestly better for you, she'll say so and walk you there herself.
How it works
Covered in three steps.
Tell Freya about you
Tap to talk — or type. Two minutes about your doctors, prescriptions, and budget. That's the whole homework assignment.
Get your match
Freya compares every plan against your life and shows you the 2–3 that actually fit — with real monthly prices, side by side.
Enroll with confidence
She walks you through enrollment step by step, sends your plan details by email, and checks back in so nothing falls through the cracks.
Live pricing
What's your number?
Real premiums from our live quoting engine. No email, no phone number, no "call for pricing."
Illustrative quotes from published rates; final premiums confirmed at enrollment. Availability varies by state.
Good questions
Asked all the time.
The ACA marketplace is a great option for many people — especially if you qualify for subsidies. Freya will actually tell you when the marketplace is the better deal and help you get there. Our plans shine for people who don't get subsidies, want PPO networks, or want coverage outside open enrollment.
Nope. You can type with Freya right on this page, or just browse the plans yourself. Voice is there when you want the fastest, most human-feeling help — but it's always your choice.
That's the first thing Freya asks about. Our major medical plans run on Cigna PPO or a broad Open Network, and she'll check your situation before recommending anything.
Only what's needed to help you: your age, state, and coverage needs for quoting. We never store health details — that's a hard rule in our system, not just a promise.
No — SmartPay is a cash-pay program with pre-negotiated prices, not insurance. It's a smart fit for some people and a bad fit for others. Freya will be straight with you about which one you are.
It depends on the plan and when you enroll. Freya will give you your exact effective date before you commit to anything — no surprises.