One simple form connects you to ACA health plans, Medicare, final expense, home, auto, and life coverage — sourced from 200+ carriers nationwide.
Health, life, home, auto, Medicare, or final expense — tell us what you need and we'll find who covers it best.
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No jargon, no runaround. Here's exactly what happens after you reach out.
Tell us what you're shopping for — health, auto, home, life, and more.
A short form gives us what we need to shop the market. Two minutes, tops.
We line up the best-fit plans from carriers competing for your business.
A licensed agent walks you through it. Say yes, or say not yet — no pressure.
Encrypted submissions, always. We never sell your personal information to anyone.
Our system checks you against hundreds of active plans the moment you submit.
Not a chatbot. Licensed insurance professionals, standing by in all 50 states.
Carriers pay us, not you. Every quote and every call is completely free.
Going straight to one insurer means one set of prices. We check the whole market, so the plan you land on actually fits your life.
Every plan type comes with its own fine print. Here's the plain-English version, by category.
Annual physicals, screenings, and vaccines covered at no cost.
Tier-based drug coverage included in most ACA Silver and above plans.
ER visits and urgent care covered nationwide regardless of network.
Mental health and substance abuse coverage required in all ACA plans.
Prenatal, labor, and newborn care fully covered under all ACA plans.
You may qualify for premium tax credits that drastically reduce your monthly cost.
No medical exam or health questions in most final expense plans.
Covers funeral, cremation, and burial costs for your loved ones.
Remaining medical bills and debts are handled so family is not burdened.
Your rate is locked in for life — no increase as you age.
Beneficiaries receive a tax-free lump sum paid directly to them.
Most applicants are approved the same day they apply.
Protects the structure of your home from fire, storms, and more.
Covers furniture, electronics, clothing, and valuables inside your home.
Covers legal costs if someone is injured on your property.
Pays for hotel and living expenses if your home becomes uninhabitable.
Optional flood and water damage coverage available in most plans.
Identity theft restoration coverage included with select carriers.
Pays for damage to your vehicle from accidents regardless of fault.
Covers theft, vandalism, weather damage, and non-collision events.
Covers medical costs for others injured in an accident you caused.
Protects you if the at-fault driver has no or inadequate insurance.
Towing, tire changes, and fuel delivery available 24/7.
Covers rental car costs while your vehicle is being repaired.
Affordable coverage for a set period — 10, 20, or 30 years.
Lifetime coverage that builds cash value you can borrow against.
Death benefit paid tax-free directly to your named beneficiaries.
Permanent policies accumulate cash value over time at guaranteed rates.
Access funds early in case of terminal or critical illness diagnosis.
Add spouse and child coverage to a single policy for maximum savings.
Medigap fills Medicare Part A gaps — inpatient hospital stays and coinsurance.
Covers Part B copays and coinsurance for outpatient services.
Prescription drug coverage paired with your Medicare Supplement plan.
Emergency coverage abroad included in select Medigap plan types.
All-in-one plans that may include dental, vision, hearing, and more.
We compare every plan in your ZIP code to find the lowest rate.
"I'd put off shopping for health coverage for years because it felt overwhelming. Citizen Cover laid out every option in plain terms and I ended up saving $165 a month."
"My mom needed final expense coverage and none of us knew where to start. Citizen Cover had her approved the same afternoon — no medical exam, no hassle."
"I bundled home and auto through Citizen Cover and my combined bill dropped almost 30%. I had no idea I was overpaying that badly with my old carrier."
Two minutes of your time is all it takes to see every plan you qualify for — free, and with zero obligation.
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