How it works / self enrollment
TruEnroll is a self-service place to understand health coverage. You answer a few questions, see plan prices with your subsidy already applied, check your doctors and prescriptions, then enroll. Help is available at any point, and only if you want it.
No account needed to look. Nothing is submitted to a carrier until you choose a plan.
To start
ZIP, household, income
Prices shown
After your subsidy
Contact
Only when you ask
The journey
Nothing is hidden behind a phone call. Each step tells you what you give and what you get back.
ZIP code, household size and expected income. That is enough to price every plan in your county.
Your premium tax credit is applied before you see a single number, so the price on screen is the price you pay.
Confirm your providers are in network and your prescriptions sit on the formulary at a tier you can afford.
Submit it yourself or hand the application to a licensed agent for a final look before it reaches the carrier.
Choose your path
Marketplace coverage, Medicare and plain research are separate doors. Pick the one that matches where you are today.
ACA, individual and family
For people under 65 buying their own coverage. Compare every plan in your county with the premium tax credit already applied, then enroll yourself.
Medicare
For Medicare Advantage, Part D and supplement decisions. Coverage rules differ from the marketplace, so the questions and the checks differ too.
Research and tools
For people who are not ready to enroll. Search doctors, look up prescriptions, estimate a subsidy or read how deductibles and out-of-pocket maximums work.
Sources
We name every source behind a number so you can judge how much weight it carries.
Series DATA / sourcing
We do not write plan data ourselves. Everything you compare is pulled from official marketplace sources and current plan documents, then displayed with the household details you entered.
Plan details, rates and county rating areas come from CMS marketplace data and our quoting partner HealthSherpa. We show what the source returns for your county.
Provider directories and formularies come from the carriers and CMS files behind each plan. Directories change through the year, so confirm anything critical with the plan.
Subsidy estimates use the federal poverty level tables and the household details you enter. The final amount is confirmed by the marketplace when your application is processed.
Estimates are estimates. Prices, networks and drug tiers can change between plan years and mid-year updates, and the marketplace makes the final eligibility determination. Read the full data and compliance notes.
Trudy
Trudy explains coverage language on request. She has no quota and no plan to push.
Series ASK / assistant
Trudy is an AI assistant built around plan documents and coverage rules. She reads the fine print so you do not have to, and she is happy to be ignored.
Trudy answers questions about deductibles, networks, drug tiers and enrollment windows. She does not rank carriers or push a plan.
You can complete an entire enrollment without opening her once. Close the panel and the flow works exactly the same.
Asking Trudy something does not put you in a call queue. A licensed person joins only when you request it or when an application needs review.
Sample exchange
You
What is the difference between the deductible and the out-of-pocket max?
Trudy
The deductible is what you pay before the plan starts sharing costs. The out-of-pocket max is the yearly ceiling on what you can pay in total. On this silver plan those are $2,000 and $7,150.
You
Which one should I care about more?
Trudy
It depends on how much care you expect. If you rarely use it, the premium matters most. If you have ongoing treatment, the out-of-pocket max is the number that protects you.
Trudy provides general coverage information. She is not a licensed agent and does not give personal recommendations.
Trust and privacy
Health and income details deserve a clear policy, so here it is in plain language.
Your ZIP code, household size and income stay in your session for quoting. They are not sold to lead buyers and not pushed into a dialer.
A licensed agent reviews an application before it reaches the carrier. Carriers pay a commission set by the state, so your premium is the same either way.
Anything you enter about doctors or prescriptions is used to check coverage only. It is transmitted over encrypted connections and kept out of quote payloads.
Free language assistance and accessible alternatives are available on request. Non-discrimination and accessibility notices are published in full.
Full notices, disclaimers and security posture live on the trust and compliance page.
Frequently Asked Questions
Still unsure after reading these? A licensed specialist can walk you through any of them before you enroll.
Ready when you are
Enter a ZIP code, household size and income. You get plan pricing after subsidies in about two minutes, and nothing goes to a carrier until you choose.
