What We Offer
ACA marketplace plans — simplified
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Bronze Plans
Lowest monthly premiums. Higher deductibles. Best for healthy patients who rarely use healthcare but want protection for major events. HSA-eligible.
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Silver Plans
Balanced premiums and deductibles. Eligible for Cost Sharing Reductions (CSR) if income qualifies. Best for moderate healthcare users.
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Gold Plans
Higher premiums, lower deductibles. Best for patients who use healthcare frequently and want predictable out-of-pocket costs.
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Platinum Plans
Highest premiums, lowest deductibles. Covers up to 90% of costs. Ideal for patients with chronic conditions and regular specialist needs.
How Matching Works
AI plan matching in under 3 minutes
Needs assessment: 5 questions — individual or family coverage, age(s), pre-existing conditions, preferred doctors/networks, and monthly budget range.
Plan recommendations: AI returns top 3 matched plans with premium, deductible, OOP maximum, key benefits, and network in plain language — no insurance jargon.
KYC via secure form: State, employment status, and household info collected via an encrypted secure form — never in plain WhatsApp chat, per HIPAA requirements.
Application & payment: Submit your application and set up recurring monthly payments via Stripe. Policy PDF delivered to your WhatsApp within 24 hours of activation.
Claims in WhatsApp: File and track insurance claims directly in chat — select service type, upload receipt, submit. Track status updates automatically.
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HSA & FSA accounts are fully supported
All HSA-eligible plans are clearly marked. Your WhatsAppMD consultation fees, prescription costs, and lab tests are HSA and FSA-eligible expenses. Pay with your HSA/FSA card directly in WhatsApp.
Open enrollment: ACA plans are typically available during the Open Enrollment Period (November 1 – January 15). Special Enrollment Periods are available for qualifying life events (job loss, marriage, birth, relocation). Our AI will verify your eligibility before you apply.
Find your perfect health plan
Takes 3 minutes. AI matches you to the best ACA plan for your situation.
💬 Start on WhatsApp