You need an Advocate, not a Salesperson.

Licensed agents guiding you through affordable healthcare — with clarity, not confusion.

We help you find the right plan with confidence — no jargon, no pressure, just support.

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Personalized plans 100% free help
Licensed in all 50 states
Excellent 4.8/5
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Here’s Why Policy Bear is Your Trusted Advocate

1000+

Happy Customers Served

15+

Trusted Insurance Partners

6+

Years Helping Families

35

Nationwide Licensed Agents

Why Policy Bear Stands Out

See how we put your needs first — not profits

Features & Services
Personalized ACA Plan Matching
Subsidy & Savings Optimization
Simple, Human-Centered Guidance 
Ongoing Member Support
Free Consultations
AI-powered matching based on your health history, doctor preferences & budget
Advanced tools to maximize every available discount & tax credit
Licensed agents explain everything clearly — no jargon, no pressure
Year-round help with claims & renewals
100% free service with no pressure
Other Providers
May offer generic plan suggestions based on limited info
Often focus less on cost optimization & subsidy use
May rely on jargon or pushy sales tactics
Support often ends post-enrollment
May include follow-up sales calls
Who We Help

Who We Help

Affordable Plans for Families, Individuals & Small Businesses

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Individual & Family Coverage

Finding the right health plan shouldn’t feel overwhelming. We help families and individuals get the right coverage for their needs — with no pressure.

  • Understand deductibles, networks, prescription coverage
  • Get plans tailored to your needs and budget
  • Protection from excessive hospital bills
  • Manageable monthly payments

No obligation, quick and easy process.

ACA Health Insurance Plans 

Policy Bear guides you through informing the right time and way of Enrollment in the ACA Marketplace, where your income, ZIP code, and age all impact your plan options, pricing, and savings.

Bronze Plan
Budget-friendly coverage with higher deductibles. It is ideal if you’re healthy and rarely visit the doctor.
Silver Plan
Great balance of cost and coverage. Best choice for lower-income households who qualify for extra savings on copays and deductibles.
Gold Plan
Pay more monthly, save more when you need care. Perfect for those who visit doctors regularly or manage ongoing health needs.
Platinum Plan
Top-tier coverage with the lowest out-of-pocket costs. Best for people with chronic conditions or frequent medical visits.

Not sure where to start?

Explore Your Insurance

Explore Your Insurance Options

Policy Bear guides you through informing the right time and way of Enrollment in the ACA Marketplace, where your income, ZIP code, and age all impact your plan options, pricing, and savings.

ACA Health Insurance

Explore Obamacare options to find the lowest premiums and understand eligibility and costs.

  • Low cost ACA plans with subsidies.
  • Guide to Plan comparisons and fast enrollment.
  • Track new updates so you don’t miss savings.
  • Clear ACA pros/cons to avoid hidden costs.

Supplemental Insurance

Find coverage for dental, vision, and other costs not included in your ACA plan.

  • Dental, vision, and hospital stays.
  • Help to find you the best match.
  • Provide plans that fit your needs.
  • Extra protection for extra medical costs.
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What Our Clients Say

Real stories from real people who found affordable health insurance with Policy Bear.

“Policy Bear helped me find an affordable plan that covers my family's needs without breaking the bank.”

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Sarah Mitchell

Small Business Owner

“Policy Bear helped me find an affordable plan that covers my family's needs without breaking the bank.”

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Sarah Mitchell

Small Business Owner

“Policy Bear helped me find an affordable plan that covers my family's needs without breaking the bank.”

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Sarah Mitchell

Small Business Owner

Frequently Asked Questions

Get answers to common questions about ACA insurance, enrollment, and our services

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This is the second item’s accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It’s also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

This is the third item’s accordion body. It is hidden by default, until the collapse plugin adds the appropriate classes that we use to style each element. These classes control the overall appearance, as well as the showing and hiding via CSS transitions. You can modify any of this with custom CSS or overriding our default variables. It’s also worth noting that just about any HTML can go within the .accordion-body, though the transition does limit overflow.

Let’s Find Your Best ACA Health Plan

You deserve clear, affordable coverage. We’ll help you get it with licensed agents, smart tools, and no pressure.

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Making ACA health insurance simple, affordable, and accessible for all Americans.

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Insurance Plans

ACA Marketplace Plans
Supplemental Coverage
Dental Insurance
Vision Insurance
Critical Illness

Resources

ACA Enrollment Guide
Insurance Glossary
Subsidy Calculator
FAQ
Blog

Contact

[email protected]
(844) POL-BEAR
Mon-Fri: 8AM-8PM EST
Live Chat Available
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Policy Bear is a licensed insurance agency. We are not affiliated with or endorsed by the U.S. Government or the federal marketplace. This website provides general information about health insurance and is not intended as specific insurance advice.