Do you see a doctor more than twice a year?
Includes checkups, urgent care, and specialist visits.
Answer questions to build your profile
4 questions remaining
No personal data stored. Your answers power the recommendation only.
Every gap, priced. Every row, actionable.
This is what an insurance broker would walk you through in a 90-minute meeting. We compressed it into a grid.
See which rows apply to your profile
Complete the 4-question audit above — we'll highlight the rows that matter most for you.
What "I'll just risk it" actually costs.
Three scenarios. Real 2026 national average costs. No scare tactics — just the math that changes how you think about monthly premiums.
Routine Year
Annual physical + one urgent care visit for a sinus infection + two prescriptions
Chronic Condition Year
Type 2 diabetes diagnosis — endocrinologist visits, metformin, quarterly A1C labs, dietitian consult
Catastrophic Event
Appendectomy — emergency room, surgery, 2-night hospital stay, follow-up care
The math works even on the cheapest Bronze plan.
At $95–$160/mo, a Bronze HDHP + HSA costs less than a single urgent care visit without insurance. One event pays for the entire year.
From open-enrollment email to coverage blueprint.
Four steps. No jargon. The kind of clarity you'd get from a friend who happens to be an insurance actuary.
Answer 4 questions
Visit frequency, prescriptions, income bracket, and risk comfort. Takes under 2 minutes — no account, no phone number.
Preview: Question 1 of 4
Do you see a doctor more than twice a year?
Get your Coverage Score
A live score widget builds as you answer. We map your risk profile to the ACA metal tier that actually fits — not the cheapest, not the most expensive.
See your plan match
Personalized tier recommendation with estimated monthly cost range, network match percentage, and the specific coverage rows that matter for your profile.
Compare top 3 plans
Enter your email to unlock a side-by-side comparison of your top 3 actual plans available in your area — with deductibles, copays, and network details pre-translated.
Bronze HDHP
$110/mo
79% match
Silver PPO
$230/mo
91% match
Gold HMO
$340/mo
87% match
They stared at the same email. Now they're covered.
"I had 72 hours to pick a plan during onboarding and zero idea what a deductible actually was. Underwrite walked me through it in 8 minutes. I ended up with a Gold PPO that covers my Adderall prescription — I had no idea that was a variable."
Jordan Reyes, 26
First-year associate, Morrison & Foerster
Gold PPO
$290/mo
"I'd been off my parents' plan for 14 months. I kept telling myself I was healthy enough to wait. One urgent care visit for a UTI cost me $380. Underwrite showed me a Bronze HDHP with an HSA for $104/month. I wish I'd done this a year ago."
Priya Mehta, 27
Freelance UX designer, recently uninsured
Bronze HDHP + HSA
$104/mo
"My company offered three plans and a benefits PDF that was 47 pages long. I answered Underwrite's four questions and it told me exactly which one to pick and why. Took me longer to find the enrollment portal than to make the decision."
Marcus Webb, 25
Software engineer, Series B startup
Silver HMO
$180/mo
Your coverage blueprint is
4 clicks away.
No account. No credit card. No 47-page PDF. Just four questions that turn a confusing open-enrollment email into a decision you can make with confidence.