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50 States Licensed A+ BBB Rating

We Don't Just Sell Policies, We Solve Your Problems.

Affordable, expert-backed ACA insurance that works for you. Licensed in all 50 states.

Personalized plans 100% free help
Licensed in all 50 states
Excellent 4.8/5
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About Policy Bear

Trusted by families in all 50 states since 2015

At Policy Bear, we simplify health insurance—making it affordable, accessible, and easy to understand for families across America.

Our Mission

Helping You Live Healthier, Happier Lives

We’re here to make health coverage easy and affordable for all—especially for families and communities who need it most. Our experts guide you to the right plan for your needs and budget, every step of the way.

Our Values & Philosophy

What sets Policy Bear apart in the health insurance industry

Compassion over conversion

We take the time to understand your unique needs. Our advice is always personal, never just a sales pitch.

Empowerment over pressure

We provide clear information to empower one with the confidence to choose the best coverage for their situation.

Clarity over confusion

No jargon. No tricks. We make health insurance simple, so you know exactly what you’re getting.

Service over sales

We focus on your long-term health, not just our sales. Lasting relationships matter most.

How Policy Bear Works

We go through with one to one conversation to get you Qualified Health Plans (QHPs) under the Affordable Care Act/obamacare/trumpcare

Compare Plans

Just share your zip code and a few details—we’ll show plans with real-time pricing and savings you qualify for.

Expert Guidance

Talk to a licensed agent for free, get your questions answered, and find a plan that fits your needs and budget.

Easy Enrollment

Our team handles everything—from forms to follow-ups—so your coverage starts fast, often in under 24 hours.

How We Make Health Insurance Easier

The Problem

It’s not the health insurance plans—it’s the process. ACA enrollment is confusing and overwhelming. People don’t give up on health insurance because they don’t need it. They give up because the system makes it hard to understand.

Our Solution

We simplify the process. From comparing plans to enrollment, we guide you in plain language, step-by-step, with support from real licensed agents. Health insurance should be easy to understand and work for your life—not the other way around.

Ready to skip the hassle? Talk to an agent now.

Real experts. Real support. For you and yours.

Professional agents standing on a solid business foundation

Licensed Health Insurance Agents

Certified professionals who help you understand your ACA options and enroll in the right plan, tailored to your needs and budget.

Licensed & Certified

Customer Support Specialists

Your go-to for questions, status updates, and assistance throughout the enrollment process— before and after you're covered.

24/7 Available

Enrollment Coordinators

Behind-the-scenes experts who manage paperwork, deadlines, and application accuracy to ensure your coverage starts on time.

Fast Processing
Legal & Compliance Advisors

We ensure your health plan complies with the latest ACA and HIPAA laws—so you stay protected, always.

Digital Marketing Experts

We help you discover trustworthy ACA info, tools, and tips right when you need them.

Data Analysts & Strategists

We make your path to coverage smarter and simpler using real insights to improve your experience.

What Our Clients Say

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.”

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Sarah Mitchell

Small Business Owner

“Policy Bear helped me find an affordable plan that covers my family's needs without breaking the bank.”

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Sarah Mitchell

Small Business Owner

“Policy Bear helped me find an affordable plan that covers my family's needs without breaking the bank.”

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Sarah Mitchell

Small Business Owner

Let’s Find Your Best ACA Health Plan

You deserve clear, affordable coverage. We’ll help you get it with licensed agents, smart tools, and no pressure.

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