For families & individuals
Everyone sells plans. Nobody prices them.
We compute the plan that will cost you the least.
$8,052
saved in a single bad year
One simulated year
Ready for this Open Enrollment: November 1
AI-native
Talk to it like a person. It computes like a machine.
You say
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The engine prices
A deterministic engine replays your year through every plan filed in your county. Every number from government filings. Nothing guessed.
The whole year
The sticker price isn't the price.
#1 · Plan Alooks cheapest
cheap sticker, huge deductible
#2 · Plan B
copays that fit your year
#3 · Plan C
rich plan you may not need
Every site sorts like this: by the monthly sticker.
The result
The cheapest plan for your year.
Ranked by your whole year, not the sticker premium, and your number comes with its math shown, in writing.
Insurf, Inc. is not a licensed insurance agency and does not sell insurance; enrollment support is provided by an individually licensed insurance producer, who may be compensated by carrier commissions when an enrollment occurs — that compensation is disclosed on estimates. This is an informational cost estimate, not an offer of coverage and not a recommendation to buy any plan. Enrollment runs through licensed channels. Estimates only; not financial, tax, legal, medical, coverage, or insurance advice.
Questions, answered plainly.
How do you find the plan that costs the least?
We replay your year (your county, your people, your prescriptions) through every plan filed in your county: premiums (including any tax credit you qualify for), deductibles, copays and coinsurance, drug tiers, and the out-of-pocket max. Every number comes from government filings; nothing is guessed.
Why not just pick the cheapest premium?
Because the sticker price isn't the price. A low-premium plan with a high deductible can cost thousands more over a real year than a pricier plan whose copays fit how you actually use care. We rank plans by the whole year, not the monthly number.
Which states do you cover?
Our engine prices every filed plan in the 16 states we cover (Texas, Georgia, California, Florida, North Carolina, New York, Washington, Indiana, Ohio, New Hampshire, Arizona, Iowa, Utah, Louisiana, South Dakota, North Dakota), county by county, from government rate filings.
Do you sell insurance?
No. Insurf, Inc. is not a licensed insurance agency and does not sell insurance; enrollment support is provided by an individually licensed insurance producer, who may be compensated by carrier commissions when an enrollment occurs — that compensation is disclosed on estimates. We compute the comparison; enrollment runs through licensed channels.
My employer gives me a monthly health allowance. Does this work with it?
Yes. If your company offers an ICHRA (a fixed, tax-free monthly allowance for individual coverage), the same engine picks the plan that fits under it. Ask your employer, or point them at our ICHRA guide.
When can I use it?
We're ready for this Open Enrollment, which starts November 1. Grab an early spot and we'll be in touch before it opens.
Offered an allowance at work? Read the ICHRA guide, or send your company to what Insurf does for employers. Skeptical of the math? Read how we price every plan.