The health insurance industry is built to sell you. Not to protect you.

Sovra is the first AI powered health insurance advisory built to work for you, not a carrier. A new and simple way to shop for health insurance.

Free. No salespeople. No data selling.

Real advisory sessions (details anonymized) 1 / 5

Does this sound familiar?

You've been through this. Most Americans have.

Your doctor said you need it. Your insurance said no. Nobody explained why.

You thought it was covered. Weeks later, a bill showed up anyway.

You called every doctor on the list. Nobody takes your plan.

You pay every month, but nothing is covered until you spend thousands of your own money first.

Your monthly payment nearly doubled this year. Nobody warned you. Nobody explained it.

You pay $300 a month for insurance you have never actually gotten to use.

Sovra was built for exactly this.

Your insurance agent works for commission, not for you.

01 / The problem

Commission-driven bias.

Agents have a financial incentive to place you on a specific plan that might not be the best for you. Sovra has no plan-specific incentives and no bias to steer you into plans. Our model will analyze your needs and find the plan that is the best fit for you.

02 / The deception

The confusion & junk plan epidemic.

Millions of Americans unknowingly pay monthly premiums for plans they don't understand: no out-of-pocket maximums, prescription coverage, or real financial protection.

03 / The solution

One honest advisor.

Built on thousands of real consultations. Sovra understands your situation and knows exactly how to navigate you without confusion or bias. Sovra helps you achieve lower premiums, doctors in network, prescriptions covered, and real insurance. We are set out to repair the insurance industry one enrollment at a time.

The health insurance industry has failed the American people.

Sovra is set out to repair this trillion dollar industry problem. Learn more about this problem here →

Frequently asked questions →

Step 1 of 8

What state are you in?

Sovra is launching in Florida, Georgia, and Texas first. More states are coming soon.

Step 2 of 8

Your ZIP code?

Determines which specific carriers and plans are available in your area.

ZIP Code

Step 3 of 8

Who needs coverage?

Add yourself first, then anyone else who needs a health insurance plan. Sovra needs each person's age to quote your plans accurately.

Tobacco use can change a person's monthly price, so Sovra asks it per person. A tobacco checkbox appears for anyone 15 or older.

Step 4 of 8

Current insurance situation?

Be honest here. Sovra needs to identify the coverage that you have, how it compares and what you will have available.

Step 5 of 8

How does your household earn income?

We will show you which income number to use. Include the people on your tax return, even if they do not need coverage.

Step 6 of 8 -- Most Important

Household income for the coverage year?

Estimated household income

Use your best estimate for the full year you want coverage, including income already earned that year. Sovra will help you confirm it during your session.

Step 7 of 8

Why are you looking for coverage right now?

This helps Sovra understand your situation and urgency before your session begins.

Step 8 of 8

Almost there. A few final details.

Sovra will send your best plans to your email so you can sign in anytime and keep working through them. Add a mobile number and you’ll get them by text during the call too.

Email address *

Your plans and no-password sign-in link go here, so you can come back and keep talking with Sovra about them

✓ Never sold, never spam.

Mobile phone number (optional)

Want your plan options texted straight to your phone? Add your number and check the consent box below, and Sovra can send them during your call.

Questions? Email [email protected]

S

Your advisor is ready.

Sovra has reviewed your information. One click to start -- your conversation is private and never sold.

Sovra is an AI advisor built to recommend the best possible plan for your situation. AI can make mistakes. This session is recorded and transcribed so Sovra can send you an accurate summary. Your conversation is private.

Live Transcript

Your conversation will appear here as you speak.

Your coverage options

Here are your best plans.

Ranked by Sovra · Verified plan data

Sovra, operated by CoveredAmerica.org, offers enrollment in Qualified Health Plans and is not the Health Insurance Marketplace®. For information on enrolling directly, visit HealthCare.gov.