How it works
Four steps. The price you see is the same one you'd see going straight to the Marketplace — our commission is paid by the insurer, not by you.
Tell us the basics
Your ZIP code, who needs covering, their ages and an estimate of household income. It takes a few minutes and we ask for no account and no card.
We look at every plan in your county
Not just some insurers': every plan available where you live, with the tax credit you qualify for already applied to the price.
We show you which fits, and why
Ranked by estimated annual cost given how you use care — not just by monthly premium. You can always see the full list and decide differently.
You enroll with the insurer
Enrollment and payment go directly with the insurer you choose. A licensed Harbor Lane agent is assigned to your policy for whatever you need afterwards.
Why we show you every plan
As an agency operating in the Marketplace, we're required to show you every qualified plan available in your area, not only the ones that pay us more. Our recommendations are ranked by estimated cost to you; commission is not part of that calculation.
After you enroll
Your policy sits with the insurer, and your assigned agent is your point of contact for renewals, life changes or coverage questions. You can see everything in your account once your enrollment is processed.