Licensed advisors in all 50 states
Mon–Fri 8am–8pm ET · Sat 9am–5pm ET
Who we are
Direct Healthcare Choice exists because buying health coverage on your own has become an obstacle course — narrow networks dressed up as savings, five-figure deductibles, and a form that turns your phone number into a commodity. We built the opposite of that.
How we work
Four commitments that are easy to write down and harder to keep. They're the reason people take the call.
Your details go to a single licensed advisor. We don't resell leads, we don't run auto-dialers, and your phone doesn't start ringing from six agencies at once. That one decision shapes everything else about how this business works.
If your income qualifies you for a large ACA subsidy, or for Medicaid, that's usually the better deal and an advisor will say so. It costs us the sale. It's also the only version of this job worth doing.
Every figure on this site is labelled for what it is. We don't publish a star rating we haven't earned from verified reviews. The carrier names we show are there because advisors work with them — never as an endorsement.
Privately underwritten plans are cheaper partly because they don't cover everything an ACA plan covers. An advisor's job is to tell you what a specific plan leaves out before you sign, not after you file a claim.
What we do
We're licensed insurance advisors, not a technology platform pretending to be one. There's no algorithm that selects your plan and no system that binds coverage.
Why people choose us
We're a brokerage, not a carrier and not a call centre. That changes what we're able to say to you.
One advisor, start to finish
Not a rotating queue. One licensed person reviews what you submitted, tells you what the options really cover, and says plainly when a marketplace plan, a subsidy or your employer's plan is the better deal.
Private PPO coverage isn't tied to a six-week window. Lost a job in March? Turned 26 in July? You can still apply.
We ask about them in step three for a reason. Plans that cover them exist, and an advisor will point you at the ones that do instead of quietly leaving you underinsured.
Keep the doctor you already trust. PPO plans typically reach far wider than the narrow local HMOs that dominate the marketplace tiers.
State, household size, pre-existing conditions, timing, and how to reach you. No SSN, no date of birth, no income, no login.
Who you actually talk to
Nothing on this site decides what you qualify for. Your five answers go to one licensed advisor, who looks at what's available where you live, calls you once, and talks it through. Whether you enroll is entirely your call.
Real options. Real advisors. Zero pressure.
Sound familiar?
If one of these is you, the five questions are worth the thirty seconds.
COBRA sent you an eye-watering number. Private PPO coverage starts any day of the year, and an advisor will compare both honestly.
A $9,000 deductible and a network your doctor isn't in. That's a bill, not coverage.
It's step three of the survey for a reason. Plans that cover it exist, and we look for those.
The six-week window closed. Private coverage doesn't work that way — you can apply today.
Off a parent's plan, into your own. Usually the cheapest age band there is.
Completely fine. Pick 'Just comparing options' in step four and the call stays exactly that.
Independent by design
Being an independent brokerage means no single insurer decides what we recommend. Advisors compare what's available in your state side by side and explain the trade-offs in plain English, including when the right answer is something we don't sell.
Speak with an advisor
No pressure, ever. If a different route is better for your household, you'll hear that on the first call.
Free coverage review
Step 1 of 5