Free quotes from licensed agents: 888-939-8482
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Licensed & Certified Agents

Health Coverage You Can Actually Use

Whether you qualify for a $0 ACA plan or need private coverage right now — we compare your real options from top carriers, at no cost to you.

8+
Insurance Carriers
$0
Cost to Use Us
Year-Round
Agent Support
See Your Plan Options
Answer a few questions — takes about 2 minutes.
Let's find plans in your area.
Individual
Family
Tell us about your household.
Health & eligibility
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No

Examples: loss of insurance, marriage, birth of a child, moved to a new state

Your address
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Why Vital
Your Agent, Not a Call Center

When you work with Vital, you get a dedicated licensed agent who knows your situation — not a 1-800 number that sends you to whoever's available.

One Dedicated Agent

No transfers, no hold music, no starting over. Your assigned Vital agent knows your plan and picks up when you call.

8+ Top Carriers

We compare ACA Marketplace and private plans from Blue Cross, Cigna, United, Molina, and more — so you get the best fit for your situation.

Year-Round Support

Need help understanding benefits, finding a doctor, or dealing with a claim? We're here all year — not just during Open Enrollment.

Zero Spam. Guaranteed.

We never sell your data to third-party lead buyers. You'll only hear from your assigned Vital agent — period.

Your Options
Two Paths to Coverage Under 65

Your best option depends on whether you've had a recent qualifying life event. Either way, we've got you covered.

Open Enrollment or Qualifying Life Event

ACA Marketplace Plans

If you're in Open Enrollment or have experienced a qualifying life event (lost insurance, got married, had a baby, moved), you may be eligible for comprehensive ACA coverage — potentially with a $0 premium thanks to tax credits.

  • All 10 essential health benefits
  • No pre-existing condition exclusions
  • May qualify for $0 premium
  • Prescription, maternity, mental health
Check My ACA Eligibility
Anytime — No Enrollment Window Needed

United HealthOne Private Plans

Not in an enrollment window? No qualifying life event? You can still get quality health coverage. United HealthOne from Golden Rule offers robust private plans you can enroll in any time of year — backed by the UnitedHealthcare network.

  • Enroll anytime — no waiting period
  • UnitedHealthcare provider network
  • Flexible plan designs & deductibles
  • Backed by a trusted national carrier
Learn About HealthOne
Featured Plan
United HealthOne from Golden Rule

Our top recommendation for individuals and families who need coverage outside of Open Enrollment. Quality plans backed by one of the largest healthcare networks in the country.

Why We Recommend HealthOne

When clients come to us outside of an enrollment window without a qualifying life event, United HealthOne is the plan we put in front of them first — and here's why:

  • UnitedHealthcare network — access to one of the largest provider networks in the U.S., so your doctors are likely already in-network.
  • Flexible plan options — choose your deductible, copay structure, and coverage level. Plans designed for real-world use, not fine-print surprises.
  • Enroll any time — no Special Enrollment Period required. Apply today, get a decision fast, and start coverage quickly.
  • Trusted carrier — Golden Rule Insurance Company has been underwriting individual health plans since 1940. Now part of UnitedHealth Group.
Get a HealthOne Quote
Our #1 Pick for Non-ACA Coverage

United HealthOne

by Golden Rule Insurance Company (UnitedHealth Group)
  • Doctor visits & specialist care
  • Hospital & emergency coverage
  • Prescription drug benefits
  • Preventive & wellness care
  • Lab work & diagnostics
  • Mental health services
  • Multiple deductible options
  • UnitedHealthcare network access
Not an ACA plan. Availability, benefits, and pricing vary by state and are subject to underwriting. Call us for a personalized quote and to confirm plan availability in your area.
Client Stories
What Our Clients Say
★★★★★

"I missed Open Enrollment and thought I was out of luck. My Vital agent got me on a HealthOne plan in two days. I finally have real coverage again."

Carlos D.
West Palm Beach, FL
★★★★★

"I had no idea I qualified for a $0 premium ACA plan. My Vital agent walked me through everything in 15 minutes."

Maria R.
Orlando, FL
★★★★★

"What I appreciate most is that when I call, my agent actually answers. I've never had that with insurance before."

Sandra K.
Miami, FL

Not Sure Which Plan Is Right for You?

Talk to a licensed agent — it's free, takes 10 minutes, and there's no obligation.

Call 888-939-8482 Get a Free Quote
Common Questions
Frequently Asked Questions
You still have options. United HealthOne from Golden Rule offers private health plans you can enroll in any time of year — no Special Enrollment Period needed. These plans offer real coverage including doctor visits, hospital stays, prescriptions, and more through the UnitedHealthcare network. Call us and we'll walk you through the options.
ACA Marketplace plans are government-regulated and available during Open Enrollment or with a qualifying life event. They include all 10 essential health benefits and may qualify for premium tax credits. United HealthOne plans are private, medically underwritten plans you can enroll in anytime. They offer flexible coverage options through UnitedHealthcare's network but are not ACA-compliant and don't qualify for subsidies. We'll help you understand which is the better fit for your situation.
No. Our services are completely free to you. We're compensated by the insurance carriers when you enroll — your premium is the same whether you use us or go directly to the carrier.
It depends on your household size and income. Many people earning up to $60,000 (individual) or more (families) qualify for significant tax credits. You also need to be in Open Enrollment or have a qualifying life event. Fill out the form above or call us to check your eligibility in minutes.
Absolutely not. We never sell your personal information to third-party lead buyers or telemarketers. When you submit your info, only your assigned Vital agent will contact you.