CoverBrook helps people find effective and affordable health insurance, so they can save money and become self-reliant.
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Get your basic questions answered here.
Then dive into our Learning Center for more info.
Most people believe there are only two ways to obtain health insurance - either through your employer, or on the government-run insurance marketplace in your state. Free-market plans are a third option. Just like the name says, you are free to buy a policy directly from a licensed carrier in your state. Once you sign up, the policy belongs to YOU and not your employer - so you won't lose coverage if you lose your job.
On average, free-market health insurance premiums cost 60% less than comparable health insurance offered through the Affordable Care Act (ACA) marketplace. Not only are the premiums lower, but many free-market plans can be offered with zero deductible! That's an enormous discount when compared to Obamacare policies, all of which will carry a maximum out-of-pocket expense of $9,200 for the insured in 2025.
Free-market plans are more affordable than ACA plans for one reason - they don't cover pre-existing conditions. Obamacare plans are required by law to insure all applicants, regardless of their health. But in the free market, insurers and customers are free to choose who they work with.
Just as auto insurers offer better rates to good drivers, health insurers want to offer more attractive terms to healthy people.
Only you can make that decision, and we are here to give you the information that you need!
To learn more about the free-market option, start with the articles in our Learning Center. Next, go to our quote generation site and answer a few quick questions to see how affordable a free-market plan can be.
Make sure you read the attached brochure and all of the disclosures for the plan that you are considering.
You can always speak with a member of the Coverbrook team if you would like to learn more. Send an email to hello@coverbrook.com or call us toll-free at 1-855-500-1776.
There are a wide range of plans available for individual and/or family health coverage. Most of them fall into one of three categories:
Short-Term Medical (STM) plans are comprehensive health insurance policies that provide coverage for a defined length of time. They are also usually PPOs with large nationwide coverage networks - unlike most Obamacare plans which are HMOs with narrow networks and high costs.
Prior to September 2024 the maximum STM plan duration was twelve months, with up to two guaranteed renewals. The Biden Administration restricted these plans to no more than four months; however they are still available as a temporary measure for people who might need coverage for a short duration.
Fixed Indemnity plans pay a fixed amount of benefit in the event of hospitalization or accident, regardless of the cost of care. For example, the average cost of a hospital stay in the US is $2,988. A fixed indemnity plan can pay anywhere from $3,000 to $6,000 per day, and can cover the costs of other insured events like an air ambulance or a routine office visit.
Accident Medical Expense (AME) can pay a fixed amount to cover medical expenses for covered accidents or injuries. Most AME policies have very low deductibles, and most bring the deductible down to zero after the first year. When coupled with a more 'traditional' health insurance policy, AME plan benefits can cover the cost of an insured's deductible - thereby bringing the overall deductible down to zero.
Yes, it is possible and this is where Coverbrook can be extremely helpful. We can help to design a plan that stacks policies and riders like Lego blocks to achieve a client's unique needs.
For example, a client may want to open a Short-Term Medical PPO policy with a high deductible of $10,000 in order to keep their premiums down. Then, they can also open an Accident Medical Expense (AME) policy that pays $10,000 in the event of an accident or hospitalization. The combination of these plans effectively provides a PPO with low premiums and zero deductible. In most states the total cost of this plan is less than half that of an Obamacare policy, or even many employer-sponsored policies for families.
When compared to Obamacare plans, all of which will carry maximum out-of-pocket expenses of $9,200 in 2025, and for which the annual premiums for a family will cost over $24,000
No it is not true. In fact the Congressional Budget Office (CBO), a nonpartisan federal agency, released a finding that stated the vast majority of short-term plans are a "comprehensive major medical policy that, at a minimum, covers high-cost medical events and various services, including those provided by physicians and hospitals.”
The CBO went even further, stating that free-market plans "may exclude some benefits that [Obamacare] plans must cover [but] may have lower deductibles or wider provider networks” than Obamacare plans.
Senior officials within several federal government agencies ave openly admitted that free-market plans are a superior choice when compared to Obamacare plans
The sad truth is that many politicians consider it more important to protect Obamacare from competition, than to provide their constituents with high-quality and affordable health insurance options.
Yes, of course. Coverbook only works with top-tier insurance carriers. You can see a list of our carrier relationships on our homepage.
Coverbrook is an insurance agency that focuses exclusively on providing insurance solutions available on the free market, as opposed to those plans offered through the Affordable Care Act.
Kevin Virgil is the principal at Coverbrook. The idea was created while he was campaigning for political office and discovered how many of his constituents were aching for better health insurance options.
Coverbrook started in New York City and is now expanding into several states.
Coverbrook agents are eligible to sell any health or life insurance product in states where they are licensed to do so. That being said, we believe that today's American health insurance market is a disaster with skyrocketing costs and decreasing coverage quality.
For millions of Americans who qualify, free-market insurance plans are a great alternative that provide better coverage at significantly lower cost. Coverbrook's mission is to educate people on these options and find the solution that works for them.
Of course! Fill out the form below or call us at 1-855-500-1776. A member of the Coverbrook team will get in touch right away.
We are licensed to sell insurance in several states, and the list is expanding rapidly. Go to the Where We Are page to learn more; let us know if your state is not included and we will add it!
