Straight answers, because that's what Sovra is built around.

Yes. There is no cost to talk to Sovra or to enroll into a health plan. Sovra is your personal insurance expert at any instant. Use Sovra to get advice or to ask questions about how your plan covers the care you need. You never pay more for your health plan or have any extra cost associated with your insurance by using Sovra.

Sovra licenses its model to entities wishing to have their own company-branded AI insurance advisor. If you enroll in a plan presented by Sovra, CoveredAmerica.org may receive a commission paid by the insurance carrier. Commissions may vary by carrier and contract. The Marketplace does not set compensation levels.

Sovra ranks plans only on what they would cost and cover for you: the monthly premium after your tax credit, the deductibles, the out-of-pocket maximum, copays, your doctors, your prescriptions, and the plan’s CMS quality rating. The ranking never uses commission information and never favors a carrier for its name.

If none of your ranked plans is a Blue Cross plan, Sovra adds one more card after the ranking, labeled “Blue Cross option”, because many people prefer Blue Cross. It is always the best-scoring Blue Cross plan that passes the same checks as your ranked plans: no doctor of yours confirmed out of network, no prescription of yours confirmed not covered, a metal level at least that of your first plan, and never a catastrophic plan. If that plan would make anything Sovra says about your ranked plans untrue, or no Blue Cross plan qualifies, no card is added. If your ranking already shows a fourth plan, the Blue Cross option takes that fourth place, so you still see four plans.

The added card never changes your first three ranked plans and is never Sovra’s pick. Sovra tells you why it is there and how much more or less it costs each month than your first plan, and never claims it has a better or bigger network. If you tell Sovra you prefer another carrier, that carrier’s best qualifying plan is shown instead; say “No Blue Cross” and the card comes off.

Yes. Sovra only recommends officially qualified, comprehensive health plans from the official marketplace and private exchanges. Sovra aggregates all available plans in your service area, narrowing down your best options between carriers like Blue Cross Blue Shield, Ambetter, Aetna, Oscar, UnitedHealthcare, and over 37 more carriers.

Sovra is an AI advisor built on thousands of real insurance consultations. Your enrollment is officially backed by CoveredAmerica.org (NPN 21633056), and you can reach a licensed human at any point if you prefer.

That is the first thing Sovra checks. Tell Sovra your doctors and medications, and every plan it recommends is screened for your doctors in network and your prescriptions covered before you ever see a price.

No. Sovra never sells your data. Your information is used only to find your plans and complete your enrollment. Sovra will never spam call or text you. See our Privacy Policy for details.

Yes. That is one of the most common reasons people call. Sovra compares what you have now against every plan available to you and tells you honestly if you are already in the right place.

Each state is a little different when it comes to insurance. Some states limit the ability for consumer assistance while others make it easier to help navigate people through this complex healthcare system. We are actively expanding to other states and look forward to serving yours soon.