An insurance brokerage that behaves like an advisor.
Bright Health Savings LLC exists because the gap between what health insurance costs and what people think it costs is enormous — and almost nobody is paid to explain it honestly.
Most people meet this market on the worst day of the year.
A job ends. A business grows past the point where going without coverage is defensible. A COBRA notice arrives with a number on it that does not look real. Whatever the trigger, almost everyone starts from the same place: a website that wants an email address before it will tell them anything.
We built this the other way round. The comparisons are published in full, including the parts where the option we do not sell is the better one. The survey asks five questions and then stops. And what happens next is a call from one licensed human being, not an inbox full of strangers who bought your phone number.
We are an independent brokerage. We are not a carrier, we are not the government marketplace, and we are not affiliated with any federal or state exchange.
Five things we will not compromise on.
One advisor, not a list of buyers
Your details go to a single licensed advisor. They are never sold on to third-party lead buyers, which is why you get one call rather than forty.
We tell you when to walk away
If a subsidy, Medicaid, a spouse's plan or your old employer's COBRA is the better answer, our advisors say so. We would rather lose the sale than put someone on the wrong plan.
Year-round, not six weeks a year
Private PPO coverage is medically underwritten rather than community-rated, which means the application window is every day of the year rather than an annual scramble.
Pre-existing conditions get a straight answer
Some conditions are covered, some carry a waiting period, and some result in a decline. Our advisors tell you which before you apply, not after.
Privacy is a policy, not a banner
Five questions, four contact fields, nothing more. No SSN, no date of birth, no income, no account to create.
50
States served
1
Advisor per household
0
Details sold to lead buyers
365
Days a year you can apply
Being clear about this saves everyone time.
- Not a government website, and not affiliated with healthcare.gov or any state exchange.
- Not an insurance carrier — we are an independent brokerage that works with carriers.
- Not an instant-rate engine. Nothing on this site generates a binding rate or offer.
- Not a lead marketplace. Your details reach one licensed advisor, not a buyer list.
Secure & private. By submitting you agree to be contacted by one licensed advisor.
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