Health coverage for people under 65 explained by a licensed agent.
Marketplace plans: See what you may qualify for based on your household and income
A real person: A licensed agent walks you through your options in about 10 minutes.
No spam, ever , Licensed agents.
Carriers & national networks we work with
Logos are trademarks of their owners and are shown to identify carriers and PPO networks available through plans we offer. Availability varies by plan and state.
We compare both — you pick.
WHY NUERA
Two ways to get covered. We compare both.
Marketplace plans may cost $0 a month with tax credits if you qualify. Private PPO plans give you national networks like MultiPlan and First Health. A licensed agent shows you which one fits you best.
National PPO Networks
Our private PPO plans use national networks like MultiPlan and First Health, so you can see doctors and specialists nationwide with no referrals. These are not ACA Marketplace plans.
Low or no monthly cost for those who qualify
Many people qualify for a $0 or reduced-premium Marketplace plan based on household size and income.
Coverage that starts when you need it
Marketplace coverage generally starts the first of the month after you enroll.
Licensed Expert Support
Year-round help from licensed agents, before and after you enroll.
Four steps to
better coverage.
Enter Zip Code
Start by telling us where you are.
Personalized Assessment
Answer a few simple questions about your needs.
See Your Savings
We compare Marketplace and private plans in your area.
Expert Finalization
A licensed agent locks in your rate and starts coverage.
Questions people ask us
Straight answers before you call.
Is this really free?
Yes. Comparing plans with a Nuera agent costs nothing, and there's no obligation to buy. If you enroll, the insurance company pays us, so you don't pay extra for our help.
Will I get a bunch of spam calls?
No. We use your information to help with your quote. You can opt out any time: reply STOP to a text or just tell your agent you're all set.
Can I keep my doctor?
It depends on the plan and its network. Tell your agent which doctors, hospitals and prescriptions matter to you, and they'll check them against each plan before you choose.
What's the difference between a Marketplace plan and a private PPO plan?
Marketplace (ACA) plans cover pre-existing conditions, include essential health benefits, and may qualify for tax credits that lower your monthly premium. Private PPO plans can give you access to national networks like MultiPlan and First Health, but they are not ACA Marketplace plans: they may not cover pre-existing conditions and don't qualify for tax credits. Your agent will walk you through both.
Do I qualify for a $0 plan?
It depends on your household size, income and ZIP code. Many people qualify for tax credits that lower or even cover their monthly premium. Your agent can check for you in a few minutes.
When can I enroll?
Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage that starts January 1. Outside that window, you may still qualify for a Special Enrollment Period after events like losing job-based coverage, moving, getting married or having a baby.
I'm losing my job-based coverage. What now?
Losing employer coverage usually opens a 60-day Special Enrollment Period. Before you sign up for COBRA, compare it against Marketplace plans. With tax credits, a Marketplace plan often costs much less.
How long does the call take?
About 10 minutes. Your agent asks a few questions, shows you your options side by side, and answers anything you're unsure about.
Who is Nuera Health Insurance?
Nuera is a licensed health insurance agency based in Boca Raton, Florida. We help people under 65 compare coverage. We are not affiliated with HealthCare.gov or any government agency.
Nuera Health Insurance is a licensed insurance agency. We are not connected with or endorsed by HealthCare.gov or any government agency. Plan availability, benefits and costs vary by state and plan. Private PPO plans are not ACA-qualified health plans and may not cover pre-existing conditions.
Better coverage is one call away.
Speak directly with a licensed Nuera agent.
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