Licensed AI insurance agent · 49 states + DC

Health insurance without the sales pitch

ACA · Alternative · Dental & visionWe work 100% for you

Honesty is the world’s first patented, licensed AI insurance agent. You get honest, unbiased answers, never a sales pitch, so there’s never been a better time to ask questions or get a quote. Tell it who needs coverage and it compares the plans in your ZIP and works out your 2027 subsidy.

  • Free
  • No spam calls
  • We never sell your data

Just have a question? Ask Honesty

Open enrollment for 2027 coverage opens Nov 1
Can’t wait for coverage?We have coverage that starts ASAP.
Chat with Honesty →
49 + DCStates licensed
24/7Chat, call or text
0Times we’ve sold your data
PatentedAI · U.S. Pat. 12,254,279

Compare 2027 plans from carriers like

  • Blue Cross Blue Shield
  • Florida Blue
  • UnitedHealthcare
  • Ambetter Health
  • Oscar
  • Kaiser Permanente
  • Wellpoint
  • Anthem
  • AmeriHealth Caritas
  • AvMed
  • Moda Health
  • CHRISTUS Health Plan
  • Capital Health Plan
  • Community Health Choice
  • Health First
  • Florida Health Care Plans

Carriers and plans vary by ZIP code; not all carriers are available in all areas. Names are for identification only and don’t imply endorsement.

Meet Honesty

Your AI insurance agent, in about a minute

See how Honesty compares your plans side by side, with any savings you qualify for already applied.

The old way vs. Honesty

Shopping for coverage shouldn’t feel like a sales call

For decades, finding a health plan meant trusting an agent who might earn more for one plan than another. Here’s the same search done the usual way and done with Honesty, line by line.

The usual way
With Honesty
Your time
Office hoursphone tag, callbacks and paperwork
24/7chat, call or text whenever you’re ready
Plans you see
Their listonly the carriers one agent is contracted with
Every Marketplace planplus alternative and ancillary options in your ZIP
How they’re ranked
Can be steeredtoward the plan that pays the agent best
By fityour doctors, prescriptions and budget come first
Your subsidy
A guessestimated over the phone
Calculatedwith the 2027 IRS percentages for your household
Your phone number
Passed aroundmany quote sites sell it to several agents
Never soldno spam calls, ever

Describes common industry practice; individual agents and sites vary. Honesty is paid by carriers like any licensed agency. Its plan ranking is not for sale.

How it works

Covered in three steps

Talk to Honesty the way you’d text a friend who happens to be a licensed agent. Our patented AI agent reads every plan available to you, applies any subsidy you qualify for, and ranks your real options by what fits your family.

  1. 01

    Tell it about your household

    Who’s covered, your ZIP, your doctors and prescriptions. Plain English is fine.

  2. 02

    See your options, ranked

    Plans that fit, with any subsidy you qualify for already applied. No favorites, no steering.

  3. 03

    Enroll when you’re ready

    Honesty walks you through the application step by step and gets the details right. Questions later? It’s there 24/7.

Start my quote How Honesty.AI works
2027 by the numbers

This is not the year to auto-renew

The enhanced premium tax credits ended on December 31, 2025, 2026 premiums rose sharply, and insurers have proposed another increase for 2027. Here’s what changed, and why comparing every plan matters this fall.

15%

Median premium increase insurers proposed for 2027, the second double-digit jump in a row.

KFF, 276 insurers, Aug 2026
400%

of the poverty level. The subsidy cliff is back: earn above it and the tax credit drops to zero.

IRS / HHS 2027 rules
10.22%

The most of your income you’d pay for the benchmark Silver plan if you qualify for help.

IRS Rev. Proc. 2026-26
Dec 15

Enroll by this date on HealthCare.gov for coverage that starts January 1, 2027.

CMS, open enrollment Nov 1 to Jan 15
Check my 2027 subsidyUnderstand 2027 subsidies
Who we help

Start from where you are

If you buy your own coverage instead of getting it through a job, Honesty was built for you. Pick the one that sounds like you and Honesty opens with your situation filled in.

FamiliesThe right network for every doctor and a subsidy sized to your household.Quote my family → Self-employedIncome that changes month to month? Honesty estimates it with you so your credit is right.Quote for 1099 → Life changesLost a job, moved, aged off a parent’s plan or had a baby? You may qualify to enroll now.See if I qualify → Early retireesThe years before Medicare. Keep your doctors and plan around the subsidy cliff.Bridge to Medicare →
Learn before you enroll

Straight answers, no jargon

Clear guides to every part of health insurance, written and reviewed by a licensed agent.

Open enrollmentWhen is open enrollment for 2027?Nov 1, 2026 to Jan 15, 2027 on HealthCare.gov. Enroll by Dec 15 to start Jan 1.Read → SubsidiesDo I qualify for a subsidy?How the premium tax credit works for 2027, income limits and the subsidy cliff.Read → Choosing a planBronze, Silver or Gold?What the metal tiers mean for your deductible, plus HMO vs. PPO vs. EPO.Read → Life eventsLost your coverage?A special enrollment period, COBRA or Medicaid. How to choose and how fast to act.Read → The MarketplaceHow the Marketplace worksWho can use the exchange, what every plan covers and how to enroll.Read → BasicsDeductibles, copays & moreCoinsurance, copays and the out-of-pocket max, explained in plain English.Read →
Your information stays yours

We never sell your data. No spam calls.

✓ No lead reselling

Plenty of quote sites sell your number to a list of agents. Honesty doesn’t, ever.

✓ Bank-level security

Encrypted in transit and at rest. PCI and CCPA aligned, NIST-aligned controls.

✓ You’re in control

Ask questions without giving your name. Share details only when you’re ready to enroll.

Common questions

Before you ask

Is Honesty really free to use?

Yes. Marketplace plan prices are set by law and are identical whether you enroll yourself or with a licensed agent. Honesty costs you nothing extra and often saves you money by finding a better-fitting plan.

What is an AI insurance agent?

Honesty is a licensed AI insurance agent: patented conversational AI backed by a licensed agency. It answers your questions, compares the plans in your ZIP, applies any subsidy you qualify for and helps you enroll, by chat, call or text, 24/7.

How is Honesty “unbiased”?

Honesty ranks plans by what fits you: your doctors, prescriptions and budget. It never steers you toward a plan for its own benefit. Like any licensed agency it is paid by carriers, but its ranking is not for sale.

Which plans can Honesty compare?

Every plan in the Health Insurance Marketplace for your area, across all metal tiers and plan types, plus alternative and ancillary options like dental and vision, and your subsidy eligibility.

Is Honesty licensed?

Yes. Honesty® Insurance Services, LLC is a licensed insurance agency (NPN 21094885) licensed in 49 states and the District of Columbia. Guidance is reviewed by a licensed agent.

See your 2027 plans in minutes

Free, private, and no pressure. Your licensed AI insurance agent does the comparing.

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