Aging off your parent's plan at 26? Just graduated? Your first job has no benefits? We'll find you health, dental, or vision coverage in minutes — many students qualify for $0/month plans.
Real plans from the carriers you'd recognize
We skip the enterprise insurance stuff. You get health, dental, and vision — picked for affordability, mental health support, and being your first plan ever.
From $0/mo with subsidyReal ACA health insurance for students and new grads. Annual physicals, mental health, telehealth, prescriptions — the whole thing. Most students qualify for subsidies that make it shockingly affordable.
From ~$15/moMost student health plans skip dental. We'll bolt it on for the price of a coffee subscription. Two free cleanings a year, plus help with the wisdom-teeth situation.
From ~$12/moIf you stare at a laptop all day (you do), this is a no-brainer. Annual exam, allowance for new frames or contacts, blue-light lenses — usually pays for itself in one visit.
Wherever you are in the transition out of school, we have a plan that fits.
Already off your parent's plan, or about to be? Most colleges no longer require their own student health plan — and ours is usually cheaper with better mental health coverage.
The day you turn 26 you lose your parent's plan — but you get a 60-day window to enroll, no Open Enrollment required. We'll get you set up before the gap.
Between graduation and your first benefits-eligible job, you're on your own. Subsidies are based on YOUR income now (not your parents'), so plans are often free.
Taking a year off, freelancing, traveling, figuring it out? You still need coverage — we'll find you a flexible plan that fits the in-between season.
We do the boring part so you can get back to your life.
Quick 2-minute form. Are you a student? Just graduated? Aging off at 26? We need the basics — no SSN, no credit check.
We pull every ACA plan in your ZIP, calculate your subsidy, and rank what's actually affordable for someone with your income.
A real licensed agent (not a chatbot) explains your top 3 options. No jargon, no pressure, no upsell to stuff you don't need.
We handle the paperwork. Coverage usually starts the 1st of the next month. Your agent is your contact whenever life changes.
We're independent. We get paid the same no matter which plan you pick — so we pick the one that's right for you.
We start every search with your budget. Most of our student clients enroll for $0–$50/month after subsidies.
Premium tax credits are based on YOUR income now — not your parents'. Most students leave hundreds on the table because nobody told them.
Deductible? Out-of-pocket max? Coinsurance? We translate insurance into plain English so you actually know what you're buying.
Every plan we recommend covers therapy and lets you see a doctor from your phone. Because of course it does.
You get a dedicated licensed advisor — same person for every question, every year. Email us anytime. We answer.
Pricing shown is post-subsidy for a typical student or new grad. Your actual quote takes about 2 minutes.
Catastrophic + ACA Bronze, post-subsidy
ACA Silver — what most students pick
ACA Gold + Dental + Vision bundle
Stories from actual students, new grads, and young adults we've helped this year.
“I turned 26 and panicked. My agent found me a Silver plan that costs $42/month after subsidy — way less than COBRA. Mental health is fully covered too, which was the whole reason I needed coverage.”
“Honestly didn't know subsidies existed for students. I was about to skip insurance entirely. Now I pay $0/month and have actual dental coverage for the first time in years.”
“Quit my job to take a gap year and travel. They set me up with a flexible plan in a single call. No judgment, no pressure. Best 15 minutes I've ever spent on email.”
“My first job is at a startup with zero benefits. They walked me through what my income meant for subsidies and got me into a plan with my therapist in-network. Lifesaver.”
“I just needed dental — my wisdom teeth situation was getting serious. $19/month and I had my extraction covered in 6 weeks. Easiest thing I've ever bought online.”
“I'm a contact lens person and was paying full price for everything. Vision plan paid for itself in one visit. Plus I got new frames I actually like. Wild that this isn't more popular.”
A few quick questions. A licensed Launch Coverage advisor or one of our marketing partners will reach out with plan options that match your needs.
We'll tailor your options based on who needs coverage.
Honest answers. No jargon. No upsell.
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.
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