Updated for the 2027 plan year (October 2026). Our licensing and editorial standards are reviewed by a licensed insurance agent.
Our mission
HonestyInsure exists to make health insurance honest again. Most people shopping for coverage are handed jargon, pressure, and a plan that pays someone a commission — not the plan that is cheapest and best for them. We think that is backwards. Our mission is simple: give every person clear, accurate, unbiased health insurance help so they can choose the right plan with confidence.
The truth about HonestyInsure is that we start from your side of the table, not the carrier’s. We pair a licensed insurance agency with Honesty.AI, an AI agent whose only goal is your best outcome. It reads every available Marketplace plan, applies your subsidy, and ranks your real options — then enrolls you in minutes. No upselling. No favorites. Just the math, done honestly, 24/7 by chat, voice, or text.
We believe honest guidance should be the default, not a luxury — especially for a decision that touches your health and your household budget at the same time. That belief is the whole reason HonestyInsure exists.
The problem we fix: a commission-driven system
Traditional insurance help has a hidden conflict of interest. Many agents and brokers earn larger commissions on certain carriers or plan types, so the “recommendation” you receive can quietly serve their paycheck instead of your budget. You rarely see it happen — you just end up paying more than you needed to.
Everything about HonestyInsure is built to remove that conflict. When your advisor gives you unbiased facts instead of steering you toward its own payday, the advice you get is simply the best plan for you. That is the difference between being sold a plan and being shown the right one.
The 2027 plan year makes honest comparison matter even more. The enhanced premium tax credits that lowered premiums from 2021 through 2025 expired on December 31, 2025, the 400% income cliff applies to 2027 coverage, and independent analysts at KFF found subsidized enrollees’ net premium payments more than doubled on average in 2026 — with insurers proposing another median increase of about 15% for 2027. When prices jump, steering costs real money.
About HonestyInsure: how we are different
About HonestyInsure, the one thing to understand is this: we are structurally unbiased. Honesty.AI is agnostic by design — it compares every plan on the Marketplace equally and never steers you toward a particular insurer. The cheapest, best-fit plan for you is the only answer it is built to give.
We combine three things most insurance help is missing at the same time:
- Unbiased. No steering, no preferred carriers. Our incentive is your best plan, full stop. Learn why unbiased advice matters.
- Licensed. A real, licensed insurance agency and a licensed agent stand behind every page and every enrollment.
- AI-powered. Honesty.AI does in seconds what would take a human hours — comparing hundreds of plans against your income, doctors, and prescriptions.
The result is unbiased health insurance guidance that is also fast, available around the clock, and genuinely on your side. You get the rigor of a licensed professional and the speed of modern AI, without the sales pressure. Plenty of sites offer one or two of those qualities; the best part about HonestyInsure is that you get all three at once, for free.
Honesty.AI compares every Marketplace plan for your income and doctors in seconds — free and unbiased.
Who HonestyInsure is for
HonestyInsure is for anyone who buys their own health coverage and wants a straight answer. If you do not get insurance through a large employer, the Marketplace is where you shop — and it is exactly where an unbiased guide helps most. People come to us when the choices feel overwhelming or the renewal letter brought a surprise price hike.
The people who get the most out of what we do include:
- Self-employed workers, freelancers, gig workers, and small-business owners
- Early retirees under 65 who are not yet eligible for Medicare
- Anyone who lost job-based coverage, aged off a parent’s plan, or lost Medicaid
- Families comparing plans on the Health Insurance Marketplace who want the lowest true cost
What everyone who comes to HonestyInsure has in common is a simple wish: to understand their options and pay only for coverage that actually fits. We built the whole experience around that wish.
Our editorial & accuracy standards
Health insurance is a “your money or your life” topic, so accuracy is non-negotiable. Every guide on HonestyInsure is written and reviewed by a licensed insurance agent and checked against primary government and research sources before it is published. If we are not certain of a figure, we leave it out rather than guess.
We cite only primary, authoritative sources — the people who actually set and study the rules — and we link to them directly so you can verify anything yourself:
| Source | Why we trust it |
|---|---|
| HealthCare.gov | The official federal Marketplace — enrollment rules, deadlines, and plan standards |
| CMS.gov | The agency that runs the ACA Marketplaces and sets the regulations |
| KFF.org | Independent, nonpartisan health-policy research and subsidy analysis |
We update our guides each plan year and date-stamp them so you always know the figures reflect current rules. When something changes — a deadline, a subsidy formula, an income threshold — we change the page, not just the publish date. That discipline is a big part of what makes the information you read about HonestyInsure trustworthy.
Licensing & credentials
HonestyInsure is operated by Honesty® Insurance Services, LLC, a licensed insurance agency. Our National Producer Number is NPN 21094885, and we are licensed in 49 states plus the District of Columbia — every state except New York. That means wherever you live outside New York, you are working with a properly licensed agency.
Our content is written and reviewed by Adam Segall, a Licensed Insurance Agent (Florida License #P101968). A licensed professional signs off on what we publish, so the guidance you read is both accurate and compliant — not anonymous internet advice. When you read something about HonestyInsure, you can see exactly who stands behind it.
How Honesty.AI helps you
Honesty.AI is a licensed, unbiased, agnostic AI insurance agent — and it is patented. Think of it as the expert agent you wish you had: one that never sleeps, never pressures you, and has no reason to prefer one carrier over another.
Here is what it does for you, free:
- Compares every plan. It reads all available Marketplace plans at once — not a hand-picked few.
- Applies your subsidy. It calculates your premium tax credit and shows your real, after-subsidy price.
- Answers any question. Deductibles, networks, prescriptions, metal tiers — in plain language, 24/7 by chat, voice, or text.
- Enrolls you in minutes. Once you pick, it completes your enrollment — at the same legally fixed price you would pay anywhere.
Because Marketplace prices are set by law, getting help from Honesty.AI never costs you a penny more than enrolling alone — it just removes the guesswork. The best part about HonestyInsure is that this honest, expert help is completely free. See exactly how Honesty.AI works.
Our promise to you
Everything about HonestyInsure comes back to one promise, and it is right there in our name: Honesty Is Your Best Policy®. We will always show you the cheapest, best-fit plan for your situation, cite where our facts come from, and tell you the truth even when it is not the most profitable thing to say. We never earn more by steering you, and we never will.
If you have a question about your coverage, your subsidy, or whether a plan truly fits — ask us. No pressure, no cost, no catch. That is the promise we make to every person who learns about HonestyInsure and trusts us with one of the most important decisions they will make all year.
Honest, unbiased health insurance help — in minutes
Honesty.AI compares hundreds of plans, applies your subsidy, and can enroll you — free, unbiased, and available 24/7.
Frequently asked questions
What is HonestyInsure?
HonestyInsure is a health-insurance guide and enrollment service powered by Honesty.AI, a licensed, unbiased AI insurance agent. It is operated by Honesty® Insurance Services, LLC (NPN 21094885), a licensed agency, and exists to help you find the cheapest, best-fit Marketplace plan with no sales pressure.
Is HonestyInsure really unbiased?
Yes. Honesty.AI is agnostic by design — it compares every Marketplace plan equally and never earns a larger commission by steering you to a particular carrier. Its only goal is your cheapest, best-fit plan. That is what unbiased health insurance help means.
Is HonestyInsure licensed?
Yes. HonestyInsure is operated by Honesty® Insurance Services, LLC, a licensed agency with National Producer Number NPN 21094885, licensed in 49 states plus the District of Columbia (all except New York). Content is reviewed by licensed agent Adam Segall, Florida License #P101968.
Does using HonestyInsure cost extra?
No. Marketplace plan prices are set by law and are identical whether you enroll yourself or with a licensed agent like Honesty.AI. Getting unbiased help costs you nothing extra — and often saves you money.
How does HonestyInsure make money if it is unbiased?
As a licensed agency we are paid the same standard, regulated commission regardless of which plan you choose, so we have no incentive to steer you. Because the amount does not change based on your pick, our only job is to find your best plan.
Who writes and reviews the content on HonestyInsure?
Our guides are written and reviewed by a licensed insurance agent, Adam Segall (Florida License #P101968), and checked against primary sources like HealthCare.gov, CMS.gov, and KFF.org before publishing. If we are not certain of a figure, we omit it.
Keep learning: How Honesty.AI works · Why unbiased advice matters · The Health Insurance Marketplace · 2027 subsidies explained · Contact us
