Free coverage review
Find out what you actually qualify for. No pressure, ever.
USA Health Savings is an independent brokerage. You tell us five things, a licensed advisor reviews what is available where you live, and you decide what to do with it.
Five questions, about 30 seconds
State, household size, pre-existing conditions, timing, and how to reach you. Nothing else is asked and nothing else is stored.
One licensed advisor, one call
Your details are not distributed to a lead pool. One person reviews them and calls you once.
This is a review, not an application
Submitting does not generate a rate, an offer of coverage, or a determination of eligibility, and nothing is binding.
We will tell you when to walk away
If a subsidy, Medicaid or your employer plan is the better deal, that is what you will hear on the call.
USA Health Savings
Let’s find your coverage
Start with your state.
Secure & private. By submitting you agree to be contacted by one licensed advisor.
Plans from nationally recognized carriers
What the review checks
Four things an advisor looks at before any plan comes up.
The cheapest coverage for your household is not always ours. These checks happen first, on every call.
Subsidy eligibility
If a Marketplace premium tax credit is substantial for your income, that usually wins — and you will hear it.
Medicaid and CHIP
Both use current monthly income and have no enrollment window. Anyone in the household who qualifies should use them.
Network fit
Which doctors and hospitals you want to keep, and how far a referral would send you, decide more than the premium does.
Exclusions, read out loud
Underwritten plans exclude things. The advisor goes through them before you decide anything.
How it works
Four steps. No obligation at any of them.
Member stories
The call usually ends with a clearer decision.
The advisor told me my wife's subsidy made the Marketplace cheaper for her, and put me on a private plan by myself. Two plans, less money.
I lost coverage in March. Open enrollment was eight months away. That was the whole problem, and it took one call to solve.
I asked about a condition I assumed would disqualify me. It didn't. What I needed was someone to actually read the exclusions with me.
He walked me through what the plan does not cover before he told me what it does. That is the part I did not expect.
I drive through six states in a week. A local HMO was never going to work and nobody had said that out loud before.
One call, one follow-up email, then nothing until I answered. After the year I'd had with lead sites, that was the selling point.
We were nine months out from Medicare and the COBRA number was absurd. The gap plan cost less than half.
My income is different every month. She built the comparison around that instead of asking me to guess a number.
I expected a sales pitch. I got a spreadsheet and a straight answer about the deductible.
They told me my daughter qualified for CHIP and that we should take it. It cost them the bigger sale.
The specialist I already see is out of state. That was the first question he asked, before anything about price.
Applying in June instead of waiting until January was the entire answer. I just did not know that was possible.
Before you submit
The five things people ask right about here.
Marketplace plans are ACA-regulated products sold during open enrollment, priced the same for everyone in your age band and area regardless of health history. Private PPO plans are sold by insurance carriers outside that system, are medically underwritten, and typically pair a broader national provider network with a lower premium for applicants in reasonable health. The trade-off is real: underwriting means not everyone is accepted on the same terms.