Health Insurance for the Healthy & Self-Employed.

Coverbrook focuses exclusively on private health insurance plans that are available on the free market, and we are licensed in nearly every state where those plans are offered. Certain states like New York, New Jersey, and California have effectively banned or heavily restricted private plans. Go to the "Where We Are" page to learn more; if your state is not mentioned then unfortunately most of our plans are unavailable there.

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.

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 coverage that is often superior to that offered by ACA plans, at significantly lower cost. Coverbrook's mission is to educate people on these options and find the solution that works for them and their unique situation.

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, a licensed insurance agent, is the principal at Coverbrook. The idea was created while he was campaigning for political office and discovered how many of his constituents were desperate for better health insurance options. Coverbrook is now expanding into several states.

Yes, of course. Coverbrook only works with top-tier insurance carriers that are regulated in each state where they are licensed to operate. You can see a list of our carrier relationships on our homepage.

No, it is not true. In fact, in a 2019 report on these specific plans, the Congressional Budget Office (CBO)—a nonpartisan federal agency—stated that the vast majority of short-term plans are "comprehensive major medical policies that, at a minimum, cover high-cost medical events and various services, including those provided by physicians and hospitals." The CBO went even further, noting that while free-market plans may exclude some benefits that Obamacare plans must cover, they "may have lower deductibles or wider provider networks" than Obamacare plans. The sad truth is that many politicians consider it more important to protect the ACA from competition than to provide their constituents with high-quality, affordable options!

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 higher deductible to keep their premiums low. Then, they can also open an Accident Medical Expense (AME) policy to create a "coverage stack". If they have an accident, the AME pays the deductible on their plan, which effectively brings their out-of-pocket cost to zero. In most states the total cost of this combined coverage is still less than half that of an Obamacare policy.

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. Historically, the maximum STM plan duration was twelve months, with up to two guaranteed renewals. While both the Obama and Biden Administrations restricted these plans to no more than four months, the regulatory landscape has shifted again. Today, longer-duration options may be available in your state. We stay on top of these changes to find you the longest legitimate coverage available in your community. Fixed Indemnity plans pay a fixed amount of benefit in the event of hospitalization or accident, regardless of the cost of care. For example, in 2025 the average cost of a hospital stay in the US was $2,988. A fixed indemnity plan can pay anywhere from $3,000 to $6,000 per day. 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 primary plan deductible.

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.

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.

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 customizable deductibles that can be as low as zero! That's an enormous discount when compared to Obamacare policies, for which the maximum out-of-pocket expense can in some cases be as high as $10,600 per individual (or $21,600 for a family) in 2026! Free-market plans are more affordable for one simple reason: they are medically underwritten. Obamacare plans are required to charge everyone the same rate, regardless of health. In the free market, insurers offer better rates to healthy people. Just as safe drivers shouldn't have to pay high premiums to subsidize bad drivers, we believe healthy individuals shouldn't be forced to overpay for health insurance.

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.