We’re a licensed insurance broker, so we get paid a commission by insurance companies for each sale. Insurance commissions are already baked into the price of an insurance policy, so you’re not paying any extra for using our service (or any broker’s service for that matter).
We understand that getting a commission on a sale introduces a potential conflict of interest. But we don't push or give preference to any one insurer over another because of the commission. In fact, some health insurance companies don't even pay out commissions. We still show those companies' plans, even though we won't get paid, because we believe in showing consumers all their options in an unbiased manner. For every product, we prioritize what's right for the consumer over maximizing our commissions.
You can certainly do that - and for some health insurance companies, you'll actually have to enroll directly with them or on the government site, because they've decided not to allow any licensed brokers like Policygenius to sell their plans. However, we can still show all those plans, and help you compare them apples-to-apples with other plans available to you. We've also designed our online experience to be MUCH easier than what you'll find at Healthcare.gov or your state exchange, so you won't gain anything by shopping there (except a headache!)
You can, but we've designed our site to be the best and easiest shopping experience you'll find anywhere. We've worked hard to offer the widest selection of plans and the most intuitive comparison process for you.
Also, any plan you see on our site won't be any cheaper at another comparison site or government sites. That's because health insurance plan rates are filed with state governments, and everyone is required to show those filed rates.
<p>Health insurance plan rates are filed with state governments, and everyone is required to show those filed rates. The quotes on our site are pulled directly from these government filings -- so as long as those are accurate, and you've provided accurate information (about age, zip code, income, household size and tobacco status), the quotes you see on our site are accurate.</p>
Any plan you see here won't be any cheaper at another site, including government sites. That's because health insurance plan rates are filed with state governments, and everyone is required to show those filed rates.
We've also worked hard to include the widest selection of plans you'll find anywhere. We've got plans you'll find on government sites (Healthcare.gov and the state exchanges) and plans you won't find on those sites (so-called "off-exchange" plans that have all the benefits of "on-exchange" plans but may be cheaper for you).