The Purpose of Enrollment Coverage
Enrollment Coverage is a Marketplace enrollment platform built to make insurance shopping clearer, more respectful, and easier to navigate for citizens across the United States.
Learn how the platform came to be, understand the role it plays as a brokerage, review our enrollment process and service boundaries, and see our compliance commitments
Get your enrollment process started with us today; your only regret will be not doing it sooner.
Your Decisions Deserve Decency
Enrollment Coverage has one purpose: to modernize Marketplace insurance shopping.
Our Quoter, the Coverage Calculator, has no hidden lead funnels, fees, or obligations.
You'll receive the same quotes you'd get on Healthcare.gov; however, if you live in one of our licensed states, you can enroll with us for ongoing support.
Whether it’s health or dental insurance, enroll in the current plan year with confidence.
Meet the Founder
Jonathan Cubeta
Founder of Enrollment Coverage
My Promise:
If you're reading this, you likely want to learn how health or dental insurance works.
Either through our website or direct help from one of our finest, you'll get exactly that.
We understand the fear of call-center hires waiting to hassle you over the phone, text messages looking to "reach out," and emails hounding you with hollow promises.
Choosing who you enroll with matters as much as the plan itself.
With the wrong agent or agency, you risk receiving inaccurate information about your savings, provider networks, prescriptions, or even the plan itself, especially when an agent focuses on closing a sale rather than explaining your plan honestly.
You are not a sale; you’re a customer.
We'll treat your situation, time, and money with the respect they deserve.
Why Brokers Are Important
Information Is Scattered
Enrollment rules, plan documents, provider directories, drug lists, financial assistance, and state information may live in different places.
Costs Extend Beyond Premiums
A low monthly premium may come with a higher deductible, different prescription costs, or a narrower provider network.
Rules Change Over Time
Deadlines, affordability standards, carrier participation, service areas, and Marketplace policies can change between plan years.
Every Household Is Different
Income, age, location, prescriptions, providers, and expected care can make the same plan a different fit for two households.
An Intentional Enrollment Experience
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Calculate
Answer a few questions to explore coverage options and potential savings.
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Review
Compare pricing, provider networks, benefits, prescriptions, and more.
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Enroll
Choose your plan and complete enrollment, with optional assistance.
Learn Our Do's & Don'ts
We Do:
- Provide quotes without requesting personal information.
- Present official ACA plans either directly or with our calculator.
- Securely send your information to generate quotes.
- Help you figure out the next step when you want assistance.
- Explain Marketplace concepts in an objective manner.
- Provide tools to understand potential costs before enrolling.
We Don't:
- Hassle you with follow-up calls, texts, or emails.
- Pretend to be HealthCare.gov or Obamacare itself.
- Promise savings, eligibility, approval, or coverage.
- Say a doctor or prescription is covered without verifying.
- Attempt to provide you with legal, tax, or medical advice.
- Push you into a plan just to close a sale and fill our pockets.
Our Common Compliance Questions
Is Enrollment Coverage a government website?
Enrollment Coverage is not a government agency, HealthCare.gov, or the Health Insurance Marketplace.
Eligibility and enrollment decisions are made via the relevant Marketplace or coverage program.
Do you provide actual Marketplace insurance quotes?
Enrollment Coverage uses HealthSherpa's Enhanced Direct Enrollment platform to provide current Marketplace plan options and insurance quotes based on the information you provide.
The actual Marketplace will determine your final eligibility for coverage, premium tax credits, and cost-sharing reductions, and the prices displayed or plan availability shown may change if your application information changes or requires verification.
Can you guarantee that a doctor or prescription is covered?
Provider participation and prescription coverage are subject to change and will vary depending on the specific plan, location, drug, pharmacy, service, and date.
Always confirm details with your plan before receiving care or enrolling.
Does this information replace official plan documents?
The policy, Evidence of Coverage, Summary of Benefits and Coverage, formulary, provider directory, eligibility notices, and all other official documents will contain the details of the plan or decision in question.
How is my information used during quoting and enrollment?
HealthSherpa will process any information you enter into the HealthSherpa experience as necessary to display plans, communicate with the relevant Marketplace, determine eligibility, and complete your enrollment.
Such information may be provided to HealthSherpa, the relevant Marketplace, the selected insurance carriers, and other parties involved in your enrollment as set out in the relevant privacy notices and consent disclosures.
Does the quoter display Marketplace plans available to me?
The Healthsherpa powered quote experience will show you Marketplace plans based on your location and household details.
Availability depends on your state, county, eligibility, carrier participation, and plan year.
You can also view your Marketplace coverage on HealthCare.gov or the relevant State-based Marketplace.
Enrollment Ends with Coverage
Finding your plan should end with coverage that supports you and those you care for.
Enrollment Coverage aims to deliver that experience as we expand our reach nationwide.
Join us on our journey to support millions of United States citizens looking to enroll, and get started.
