Find the right health plan for your family and pay less than you think.
Millions of families qualify for ACA subsidies they never claim. Get matched with a licensed health insurance advisor who will compare plans and check your eligibility for free.
30M+
Americans gained coverage through the ACA
24h
To be matched with a licensed advisor
$0
Cost to compare your plan options
Thousands of families found better health coverage through TheSmartMom
Licensed advisors only - Free service - No obligations
Millions of families overpay for health insurance or go uninsured. Neither is necessary.
Many families qualify for substantial ACA premium tax credits but never claim them. Enrolling without checking your eligibility can mean paying full price for a plan you could get at a fraction of the cost.
A licensed health insurance advisor identifies every subsidy and cost-sharing reduction available to your household before recommending a plan.
Open Enrollment has limited windows
The ACA Open Enrollment Period typically runs November 1 to January 15. Missing it means waiting until next year or qualifying for a Special Enrollment Period.
Premium tax credits can reduce your cost dramatically
Families earning up to 400% of the federal poverty level may qualify for ACA premium tax credits. Without an advisor, many families miss out on thousands of dollars in subsidies.
Going uninsured is a costly gamble
A single emergency room visit averages $2,200. A hospitalization can run $30,000 or more. Health insurance is the single most important financial protection for your family.
Understanding your health insurance options
ACA Marketplace Plans
Plans sold through healthcare.gov with standardized benefits and potential premium tax credits. Available in four metal tiers (Bronze, Silver, Gold, Platinum) based on cost sharing.
Best for: Self-employed, those without employer coverage, those qualifying for subsidies
Short-Term Health Plans
Temporary coverage that bridges gaps between major plans. Lower premiums but more limited benefits. Not ACA-compliant and may not cover pre-existing conditions.
Best for: Healthy individuals between jobs or missing open enrollment
Employer or COBRA Coverage
If leaving a job, COBRA lets you continue your employer plan for up to 18 months. An advisor can help you compare COBRA costs against marketplace alternatives.
Best for: Those transitioning between jobs or recently losing employer coverage
Our standards
How it works
Three simple steps to better health coverage at the right price.
Share your family's health needs
Tell us about your household size, income, current doctors, and prescriptions. No documents required at this stage.
Get matched with a licensed health advisor
A licensed health insurance advisor contacts you, checks your subsidy eligibility, and compares plans available in your state.
Enroll in the plan that fits your family
Your advisor guides you through enrollment and ensures your doctors and medications are covered before you sign.
Families who found the right health coverage
"I was paying $740 a month for my family's health insurance. My advisor found us an ACA plan with better coverage for $280 after our subsidy. I had no idea we qualified for that much help."
"Navigating the ACA website on my own was overwhelming. My advisor walked me through every option, confirmed my OB-GYN was in-network, and enrolled us in 20 minutes."
"After losing my job, I was terrified about losing our health coverage. My advisor compared COBRA to marketplace plans and saved us $380 a month. The call took 15 minutes."
Testimonials recreated for illustration purposes.
Why families trust TheSmartMom for health coverage
We connect you with licensed health insurance advisors who check your subsidy eligibility and compare every option available in your state.
ACA-certified licensed advisors
Every advisor is licensed in your state and trained on ACA marketplace requirements, subsidy calculations, and enrollment procedures.
Full subsidy eligibility check
Your advisor will determine exactly what premium tax credits and cost-sharing reductions you qualify for before recommending a plan.
Network and drug verification
Before you enroll, your advisor confirms your preferred doctors and prescriptions are covered under the plan you choose.
Completely free to use
Our health insurance matching service is 100% free. Licensed advisors are paid by carriers, not by you.
Health insurance FAQ
When can I enroll in a health insurance plan?
The ACA Open Enrollment Period typically runs November 1 to January 15 each year for coverage starting January 1. Outside of this window, you can only enroll if you qualify for a Special Enrollment Period (SEP) triggered by life events such as losing job-based coverage, getting married, having a baby, or moving to a new state.
Do I qualify for ACA premium tax credits?
Households earning between 100% and 400% of the federal poverty level are generally eligible for premium tax credits. The American Rescue Plan expanded credits to higher income levels. For example, a family of four earning up to $111,000 may qualify for significant subsidies. Your advisor will calculate your exact eligibility for free.
What is the difference between a deductible, copay, and out-of-pocket maximum?
Your deductible is the amount you pay for covered services before insurance kicks in. A copay is a fixed amount you pay for specific services (such as $30 for a primary care visit). Your out-of-pocket maximum is the most you will ever pay in a year for covered services. Once you hit this limit, insurance pays 100% for the rest of the year.
What is an HMO versus a PPO health plan?
An HMO (Health Maintenance Organization) requires you to choose a primary care physician (PCP) and get referrals to see specialists. It typically has lower premiums but less flexibility. A PPO (Preferred Provider Organization) lets you see any doctor without referrals, including specialists and out-of-network providers, but costs more. Your advisor will help you choose based on your preferred doctors.
Can I keep my current doctor if I switch plans?
It depends on the plan's network. Before enrolling, your advisor will verify whether your specific doctors, specialists, and hospital are in-network. This is one of the most important steps in choosing a plan and one that many people skip when enrolling on their own.
What happens if I miss Open Enrollment?
If you miss Open Enrollment and do not have a qualifying life event, you cannot enroll in an ACA marketplace plan until the next Open Enrollment Period. However, you may still be able to enroll in Medicaid (if you qualify) or a short-term health plan. Your advisor will explain your options based on your specific situation.
The right health plan is out there. Let a licensed advisor find it for you.
Share your family's needs and a licensed health insurance advisor will check your subsidy eligibility and compare available plans. Free, no pressure, no obligations.
- 100% free service for consumers
- ACA-certified licensed advisors
- Subsidy eligibility checked before enrollment
- Matched with an advisor within 24 hours
Find my health plan - free
A licensed health advisor will contact you within 24 hours.
Free service. No obligations. Your data is never shared without your consent.
TheSmartMom is a lead generation service that connects consumers with licensed health insurance professionals. We are not an insurance company or government agency. We are not affiliated with the federal government, Healthcare.gov, or the Centers for Medicare and Medicaid Services. Health insurance products are offered by licensed insurance professionals in your state. Premium tax credit eligibility and plan availability vary by income, household size, and state. By submitting your information, you authorize licensed agents to contact you regarding health insurance products.