Meet Coverage is the licensed family agency for households that just lost their plan. One real advisor compares marketplace, COBRA, and bridge options for you, your spouse, and your kids — then files the paperwork. Most families are re-covered in under 48 hours.
Compare plans from 50+ leading carriers
We don't sell one plan. We map every path a newly uninsured household can take — then walk you down the one that fits your budget, your doctors, and your kids.
We sequence coverage for every person in the household — you, your spouse, the kids, ongoing prescriptions and pediatricians — so nobody falls through a gap.
COBRA is the default — but it's usually the most expensive default for a family. We run the side-by-side so you stop overpaying.
Job loss, divorce, aging off a parent's plan, or a move opens a 60-day SEP. Miss it and the family waits until next November.
Coverage that can start tomorrow while you figure out the long-term plan — no SEP required.
Employer dental and vision usually end the same day health does. We rebuild that stack standalone for the family.
Same-day eligibility review and a clear plan back to real coverage — usually inside 48 hours.
We work almost exclusively with households in the messy 30 to 90 days after a plan ends. We know the timelines, the loopholes, and the paperwork — because we run it every single day.
Layoff or contract ending. Your family usually has a 60-day SEP from the day coverage ends — we open the window before it closes.
Divorce, separation, or a spouse's layoff drops the whole household. We rebuild plans for you and the kids in one sitting.
Turning 26 ends coverage on a parent's plan in most states. We line up their own plan before the clock runs out.
Missed premium, moved states, or your short-term family plan ended? You may still qualify for a SEP or a bridge plan starting tomorrow.
No call-center scripts, no waiting weeks. A real licensed advisor walks your family through every option in one sitting — and they're still your point of contact a year from now.
Two minutes. Job ended, divorce, aged off a parent's plan, lapsed policy — we use that to find which SEP window you qualify for today.
A licensed advisor compares your SEP marketplace options (with subsidies), your COBRA cost, and short-term bridge plans — side by side, in plain English.
Choose the path that actually fits your doctors, your prescriptions, and your monthly budget. We handle the carrier paperwork.
Most clients have a new effective date inside two days. Your advisor stays your contact for the rest of the year — claims, renewals, anything.
As an independent agency, we represent you — not any single carrier. That means unbiased comparisons, transparent recommendations, and plans chosen because they fit your life, not our commission.
Most agencies sell renewals to people who already have coverage. We do the opposite — we specialize in the messy 30 to 90 days after a plan ends.
Carriers pay us when you enroll. Our advice and side-by-side comparisons cost you nothing. You pay the same — or less — than going direct.
The licensed advisor who enrolls you is the same person who picks up the phone in March when a claim looks wrong. No call-center roulette.
We tell you when your SEP window actually closes, when COBRA back-pay is due, when a bridge plan can start. Then you decide. No upsell scripts.
Every recommendation is run by a licensed advisor on a 30-minute call — no chatbots, no scripts.
If you have a qualifying life event and a 60-day window
Most common pick — usually 60–80% cheaper than COBRA itself
For coverage starting tomorrow while you figure out the long-term plan
Every quote here is from a household that came to us in the worst week of their year — a layoff, a divorce, a lapsed family plan — and walked out re-covered.
“I got laid off on a Tuesday. By Thursday our whole family was active — same pediatrician, lower monthly than COBRA. I didn't know that was possible.”
Maria RodriguezMom of two · Miami, FL
“HR handed me a COBRA quote for our family at $2,140 a month. Meet Coverage found a marketplace plan with subsidies at $412 — same hospital. I almost cried.”
James ThompsonFamily of four · Denver, CO
“When my husband lost his job we had two kids and ongoing prescriptions. Meet Coverage sequenced everything so nobody had a gap. 24 hours, start to finish.”
Sarah LiuMom of two · Austin, TX
“I'm 58, between jobs, terrified of a gap before Medicare for my wife and me. They found a bridge plan that covered both our medications. Called me back on a Sunday.”
David ParkCouple bridging to Medicare · Chicago, IL
“My daughter aged off our plan in May. They walked her through the SEP, kept her therapist in-network, and the whole thing took one phone call.”
Aisha NwosuParent of young adult · Houston, TX
“After our divorce I lost coverage through my ex's employer — for me and the kids. I expected weeks of paperwork. 45 minutes on the phone, active the next day.”
Ryan ChenSingle parent · Seattle, WA
A few quick questions. A licensed Meet 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.
Insurance is confusing — and that's by design. We're changing that. Here are honest, plain-English answers to the questions our clients ask most.
Most Meet Coverage clients have an active effective date within 48 hours. The fastest path is usually a marketplace plan filed under your Special Enrollment Period (SEP) — coverage can start as soon as the 1st of the following month, and a short-term bridge plan can fill any gap starting as early as tomorrow. One call with a licensed advisor maps all three paths (SEP marketplace, COBRA, bridge) side by side.
In most cases, yes — often dramatically. COBRA charges the full unsubsidized premium plus a 2% admin fee, with no income-based assistance. A marketplace plan filed under your SEP can include ACA premium tax credits that drop the monthly cost by 60–90% for typical households. We've had clients save $1,000+ per month switching off a COBRA quote to a subsidized marketplace plan with the same hospital network.
You get a 60-day Special Enrollment Period (SEP) starting the day your prior coverage ends. You can also enroll up to 60 days *before* a known loss of coverage (for example, if you've been notified your last day is in 3 weeks). After day 60, you're locked out until the next Open Enrollment in November — so the sooner you talk to an advisor, the more options stay on the table.
Usually yes — but only if we check the network before you enroll. Meet Coverage cross-references every plan we recommend against your current doctors, hospital system, and active prescriptions. We will not let you sign up for a plan that drops a doctor you depend on or a medication you take daily.
A short-term medical plan is non-ACA coverage that can start as soon as the next day and run for 30 days up to several months. It's a bridge — not a permanent solution — and it doesn't cover pre-existing conditions or maternity. It makes sense when you need *something* active tomorrow while your marketplace or new-employer plan starts on the 1st, or when you're a few weeks out from Medicare eligibility.
Most newly uninsured households do. Subsidies (premium tax credits) are based on projected household income for the year, not last year's tax return. A single person earning up to about $60,000 typically qualifies; a family of four can qualify with income up to roughly $125,000. Your advisor calculates your exact subsidy before recommending any plan — at no cost.
Adult dental and vision are almost never included in marketplace medical plans — they have to be added separately. Meet Coverage offers standalone dental from around $19/month, vision from around $12/month, or a combined bundle from about $28/month. We typically rebuild these in the same call as your medical plan so nothing falls through the cracks.
Nothing. Our service is 100% free to you. Licensed advisors are paid a flat commission by the carrier when you enroll — exactly the same amount regardless of which plan you choose, so there's no incentive to upsell. You pay the same monthly premium you'd pay enrolling directly with the carrier.
Your deductible is what you pay for covered services before insurance starts sharing the cost. Your out-of-pocket maximum is the most you can ever pay in a calendar year — once you hit it (including deductible, copays, and coinsurance), the plan pays 100% of covered in-network costs for the rest of the year. We always model both numbers against your real expected usage before recommending a plan.
A qualifying life event opens a 60-day SEP. The most common ones we handle: losing job-based coverage (layoff, quit, hours reduced), getting married or divorced, having a baby or adopting, moving to a new ZIP code or state, aging off a parent's plan at 26, or a household income change that affects subsidy eligibility. If something major just changed in your life, there's a good chance an SEP is open right now.
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