Licensed agents guiding you through affordable healthcare — with clarity, not confusion.
We help you find the right plan with confidence — no jargon, no pressure, just support.
| Personalized plans | 100% free help |
| Licensed in all 50 states |
Happy Customers Served
Trusted Insurance Partners
Years Helping Families
Nationwide Licensed Agents
See how we put your needs first — not profits
Affordable Plans for Families, Individuals & Small Businesses
Finding the right health plan shouldn’t feel overwhelming. We help families and individuals get the right coverage for their needs — with no pressure.
No obligation, quick and easy process.
The ACA offers real opportunities for savings even for the self-employed.
No obligation, quick and easy process.
Policy Bear guides you through informing the right time and way of Enrollment in the ACA Marketplace, where your income, ZIP code, and age all impact your plan options, pricing, and savings.
Make your smart choices through Policy Bear. We guide you in comparing plans, reviewing real costs, and spotting savings opportunities. Know what you require, ACA or the Supplemental Health coverage.
Explore Obamacare options to find the lowest premiums and understand eligibility and costs.
Real stories from real people who found affordable health insurance with Policy Bear.
“Policy Bear helped me find an affordable plan that covers my family's needs without breaking the bank. The whole process was simple, and I felt supported every step.”
Small Business Owner
“Big thanks to Policy Bear, for bringing me the right health coverage for my family, now we can afford the whole medical cost without any burden.”
Freelance Designer
“Excellent service! They handled all the paperwork and made sure my family's coverage started exactly when we needed it. Highly recommended!”
Working Mother
“Policy Bear helped me find an affordable plan that covers my family's needs without breaking the bank. The whole process was simple, and I felt supported every step.”
Small Business Owner
“Big thanks to Policy Bear, for bringing me the right health coverage for my family, now we can afford the whole medical cost without any burden.”
Freelance Designer
“Excellent service! They handled all the paperwork and made sure my family's coverage started exactly when we needed it. Highly recommended!”
Working Mother
Get answers to common questions about ACA insurance, enrollment, and our services
Any individuals earning up to 400% of the Federal Poverty Level can apply for ACA health insurance to receive expected Subsidies.
Yes, many Americans qualify for ACA plans with a $0 monthly premium, especially after the subsidy expansions under the American Rescue Plan and the Inflation Reduction Act (extended through 2025).
Open enrollment starts from November 1 to January 15 each year. Special enrollment periods are available for qualifying special events.
The Special Enrollment is simply for special chance of health coverage when you miss the regular period of the Open Enrollment.
You can calculate your health insurance subsidy, using the HealthCare.gov calculator with your annual income and household size.
Without health insurance, you will face thousands in medical bills from unexpected health emergencies, limited access to doctors who require insurance.
Yes, Policy Bear's service is completely free because we're paid by insurance companies, not by you. You pay the same premium whether you work with us or go directly to the insurer, but for expert guidance and ongoing support we don't charge you a single penny.
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