About us
We built this for the people the system keeps forgetting.
Tens of millions of Americans buy their own health coverage without an HR department, a benefits portal, or anyone to call. That's who we work for.
Our story
An honest broker is harder to find than it should be.
Most people arrive here after the same experience. A renewal letter, a job change, or a birthday turns into an evening of comparison sites that want a phone number before they’ll show anything, followed by a week of calls from agents who bought that phone number.
Right Health Coverage was built to be the opposite of that. We’re an independent brokerage, which means we aren’t a captive agent for one carrier and we have no reason to steer you anywhere in particular. You tell a licensed advisor what you need, and they tell you what exists — including the options we don’t earn anything on.
What we actually do
We help individuals, families and small business owners compare private health plan structures — most commonly underwritten PPO coverage with nationwide networks — against the alternatives they already know about: the ACA marketplace, COBRA, short-term plans, health sharing arrangements, and HMOs.
Private plans have a real advantage for many healthy applicants: they’re available year-round rather than in a six-week window, and the networks tend to be broader. They also have real limits — they’re medically underwritten, so health history matters, and they’re not subsidized. We explain both sides before anyone applies.
What we don’t do
We don’t publish rates on a web page, because a number generated without knowing your state, age band and health history isn’t a rate — it’s bait. We don’t sell your information. We don’t claim to be affiliated with any government program. And we don’t promise savings we can’t verify for your specific situation.
Independent means no house plan.
We aren’t a carrier and we aren’t owned by one. Our advisors are licensed to present multiple plan structures and are obligated to act within the insurance regulations of your state.
How we operate
Four rules we don't bend for a commission.
Say the true thing first
If a subsidy, Medicaid or an employer plan beats what we can write, that's the recommendation. We'd rather lose the sale than put someone in the wrong plan.
One advisor, not a bidding pool
Your details go to a single licensed advisor. We don't resell contact information, and you won't get twelve calls in an hour.
No manufactured urgency
No countdown timers, no "rates expire tonight", no guaranteed-acceptance claims. Coverage decisions are too consequential for that.
Plain English only
Deductible, coinsurance, out-of-pocket max, underwriting — explained in words a person can act on, before anything gets signed.
Who we can help
- Self-employed people and 1099 contractors
- Families buying coverage outside an employer
- Small business owners and their teams
- People who just lost or left employer coverage
- Early retirees who aren't Medicare-eligible yet
When we’ll send you elsewhere
- Your income likely qualifies you for Medicaid
- A premium tax credit makes a marketplace plan cheaper
- Your employer's plan is already a good deal
- You're Medicare-eligible and better served there
- Your health history makes guaranteed-issue the safer route
A real person, not an algorithm
A licensed advisor who actually picks up the phone.
Nothing on this site selects, prices, or binds coverage. You tell us what you’re looking for, a licensed advisor reviews it, and then a human being explains your real options — including the ones that don’t involve us.
- Licensed in your state, not just somewhere
- One point of contact from first call to enrollment
- Plain-English answers on networks, deductibles and underwriting
- No robocalls, no lead reselling, no pressure
Start your free review
Real options. Real advisors. Zero pressure.
Five short questions, about thirty seconds. A licensed advisor reviews your details and calls you with what's actually available where you live.
- Free, no-obligation review
- One licensed advisor — never a call center
- Your details are never sold to third parties
- Enroll any day of the year
Free coverage review
Step 1 of 5
Let’s find your coverage
Start with your state.
Your information is secure and private.
Secure & private. By submitting you agree to be contacted by one licensed advisor.