Our Mission
Make health insurance understandable. Show people what coverage really costs — with insurance and without it. Present every option honestly, including the ones the marketplace doesn't show you. Then connect people with licensed professionals who can help them enroll. Free. No obligation. No hidden agenda.
Why HealthcareSeeker Exists
Health insurance in America is broken — not because good coverage doesn't exist, but because most people can't figure out what they qualify for, what it costs, or where to start.
Consider the facts:
- Over 100 million Americans carry medical debt
- Nearly half of uninsured adults skip needed medical care because of cost
- Over 90% of marketplace enrollees qualify for subsidies — but millions who are eligible never apply
- A single ER visit costs $2,500 on average without insurance. A hospital stay costs $30,000. An ACA plan that caps your annual risk at $10,150 can cost as little as $0/month
The information is out there — buried in government websites, scattered across carrier portals, and locked behind jargon that takes a licensing exam to decode. We built HealthcareSeeker to fix that.
What We Do
HealthcareSeeker is a free healthcare insurance comparison and education platform. We:
- Show you real costs — what healthcare costs with insurance and without it, using verified public data from CMS, KFF, FAIR Health, and HCUP
- Present all your options — ACA marketplace plans, short-term health insurance, fixed indemnity plans, supplemental coverage, and catastrophic plans with honest trade-offs for each
- Estimate your subsidies — so you know what you'd actually pay before you give anyone your phone number
- Connect you with licensed agents — when you're ready, we match you with professionals in your state who can walk you through enrollment
- Serve every community — with content in English and Spanish, covering 24 states and hundreds of cities, tailored to gig workers, freelancers, self-employed, and people going through major life transitions
340+
Pages of free content
24
States covered
2
Languages (EN + ES)
100%
Free to use
How We're Different
Most insurance comparison sites exist to collect your information as fast as possible and sell it. We take a different approach.
HealthcareSeeker
- Shows you estimated costs BEFORE asking for personal info
- Presents ACA and non-ACA options with honest pros and cons
- Publishes all data sources so you can verify everything
- Content in English and Spanish
- Explains what you'd pay without insurance (the risk of doing nothing)
- Free educational content with no paywall
- Tells you how to bypass us and shop directly at Healthcare.gov
Most Other Sites
- Ask for your phone number immediately
- Only show ACA marketplace plans
- No source citations — trust them or leave
- English only
- No context on what happens if you stay uninsured
- Thin content designed only to capture leads
- Never tell you about free government alternatives
Our Values
Transparency
We publish how we make money, who our partners are, where our data comes from, and what our limitations are. If we don't know something or if a number is an estimate, we say so.
Accuracy
Every cost figure on this site is sourced from verifiable public data. Our content is reviewed by licensed insurance professionals. We correct errors within 48 hours of discovery.
Accessibility
Health insurance shouldn't require a degree to understand. We write in plain language, serve content in Spanish, and design for mobile-first — because that's how most people browse.
Honesty
We show you the real trade-offs. If a cheap plan has major gaps, we tell you. If an expensive plan isn't worth it for your situation, we tell you that too. We'd rather lose a lead than mislead a person.
How We Make Money
HealthcareSeeker is free for consumers. We earn revenue when you submit your information through our forms and are connected with licensed insurance agents through our partners. These partners include QuinStreet, MediaAlpha, EverQuote, eHealth, and Agile Health Insurance.
This compensation does not influence our editorial content, cost data, or plan comparisons. For full details, see our Advertising Disclosure.
We believe in this model because it aligns our interests with yours: we do better when we help you find the right coverage, not when we trick you into clicking a button.
What We Are Not
To be clear about what HealthcareSeeker is and isn't:
- We are not an insurance company. We do not sell, issue, or underwrite any insurance policies.
- We are not an insurance agent or broker. We do not represent any carrier or make enrollment decisions on your behalf.
- We are not affiliated with the government. We are not connected to Healthcare.gov, CMS, HHS, Medicare, Medicaid, or any state marketplace.
- We do not provide medical, financial, legal, or tax advice. Our content is educational. Always consult a licensed professional for decisions specific to your situation.
Our Content Standards
Every piece of content on HealthcareSeeker is:
- Researched using authoritative public sources (CMS, KFF, FAIR Health, HCUP, MEPS, IRS)
- Reviewed by licensed insurance professionals for factual accuracy and regulatory compliance
- Updated at minimum annually, with high-traffic pages reviewed quarterly
- Dated with a visible "Last Updated" timestamp on every page
- Sourced with a published list of data references available for verification
For the full details of our process, see our Editorial Policy.
Serving Underserved Communities
We've built dedicated content for communities that most insurance sites ignore:
- Gig workers: Uber, Lyft, DoorDash, Uber Eats, Instacart, and freelance workers who get zero health benefits from the platforms they work for — with specific guidance on how deductions affect subsidy eligibility
- Spanish speakers: 20 pages in Spanish covering states with the largest Hispanic populations, gig worker guides, and life event pages — because 62 million Americans speak Spanish and most insurance sites give them nothing
- People in life transitions: Lost your job, turning 26, getting divorced, having a baby, moving states, getting married — each triggers a 60-day window most people don't know about
- Non-expansion states: Residents of Texas, Florida, Georgia, and South Carolina who may fall into the Medicaid coverage gap — with honest guidance on non-ACA alternatives
Contact Us
We'd love to hear from you — whether it's a question, a correction, a partnership inquiry, or just feedback on how we can do better.
Ready to Find Your Coverage?
See what you'd actually pay — most Americans qualify for plans starting at $0/month with subsidies.
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