Insurance Questions? We Have Straight Answers.

Yes — by federal law, you can stay on a parent's health plan until you turn 26, even if you're married, financially independent, not in school, or living elsewhere. Some students still leave the parent plan early because a personal ACA plan (with subsidies based on YOUR income) ends up cheaper or has better mental health coverage. We can compare both for free.

You lose your parent's plan, but turning 26 triggers a Special Enrollment Period: a 60-day window to enroll in a new plan outside of Open Enrollment. You don't have to wait until November. Tell us your situation and we'll get you covered by the 1st of next month.

Almost always, yes. ACA premium tax credits are based on YOUR projected income — not your parents'. If you're earning under ~$30,000/year (very common for students and new grads), you usually qualify for plans between $0 and $50/month. The subsidy is automatic once you enroll through the marketplace.

That's incredibly common at startups, contract roles, and entry-level positions. You're eligible for an ACA marketplace plan, and your modest first-job income usually means significant subsidies. We'll calculate your exact pricing in about 2 minutes.

Yes. Every ACA-compliant plan we recommend covers mental health and substance use treatment as one of the ten Essential Health Benefits — this includes therapy sessions, psychiatry, and prescription medications. We can also check which therapists are in-network before you enroll.

Health plans are state-based, so a move usually means switching plans — but the move itself triggers a Special Enrollment Period. Tell your agent your timing and new ZIP and we'll line up coverage that starts the day you arrive.

Honest answer: vision pays for itself the first time you replace glasses or contacts (so yes, if you wear them). Dental is worth it if you're due for cleanings or expecting wisdom teeth — one extraction without insurance is more than a year of premiums. Both are optional add-ons; we'll show you the math.

About 2 minutes to fill out our form, one short call (or text thread) with a licensed agent, and you're usually enrolled within 24–48 hours. Coverage typically starts the 1st of the following month.

Yes — completely. We're paid by the insurance carriers when you enroll, at the same rate no matter which plan you pick. You pay exactly the same as if you bought direct from the carrier, but you get a human agent for life.