Is getCoverageNow Legit? Here's Exactly How We Work

If you landed here because you typed "is getCoverageNow legit" into a search bar, that's a completely reasonable thing to check before trusting a website with a decision this important. Here's a direct answer, with no marketing spin.

What getCoverageNow Actually Is

getCoverageNow is a free educational tool that helps you figure out which category of health coverage fits your situation — Medicaid, an ACA Marketplace plan, COBRA, employer coverage, or a short-term bridge plan. It is not an insurance company, a licensed broker, or a marketplace where you buy a policy directly. Think of it as a triage step that comes before you go compare and enroll in an actual plan.

How Are Recommendations Generated?

Your results come from a deterministic rules engine, not an AI trying to upsell you or a commission-driven salesperson. You can read the exact logic on our Methodology page — it walks through, step by step, why the engine checks Medicaid eligibility first, then ACA subsidy eligibility, and only suggests short-term or alternative coverage as a last resort when you don't qualify for anything else.

How Do We Make Money If It's Free?

When your best option is a paid private plan (typically through the ACA Marketplace), we link you to enrollment partners like eHealth or Policygenius, and may earn a referral fee if you enroll through that link — at no extra cost to you; your premium is set by the insurer and is identical no matter how you sign up. We disclose this on every single recommendation, not buried in fine print. Critically: when a free government option like Medicaid is your best fit, we say so first, even though we earn nothing when you take that route. You can verify this directly by trying the quiz yourself with a low-income scenario.

What Data Do You Collect?

None, by default. The quiz runs entirely in your browser and doesn't require an account, email, or personal information to see your results. If you choose to voluntarily leave your email (for example, to get a copy of your results), that's opt-in and used only for that purpose — see our Privacy Policy for the full details.

What We Are NOT

• We are not a licensed insurance agent or broker, and we don't bind coverage or handle claims.
• We don't guarantee specific premium prices — those come from the insurer, not us.
• We're not a replacement for professional legal, tax, or financial advice for complex situations.

For anything outside straightforward guidance, we say so directly and point you to a licensed professional or an official government resource rather than guessing.

Frequently Asked Questions

Is getCoverageNow affiliated with the government or Healthcare.gov? No. We're an independent, privately-run educational tool. We link directly to official Healthcare.gov and Medicaid.gov resources throughout the site so you can always verify information at the source.

Can I trust the specific numbers (deductibles, subsidy estimates) on this site? We aim for accuracy and cite government sources where possible, but insurance rules and figures change over time and vary by state — always confirm final numbers on the official enrollment platform before making a decision.

Who actually built this? getCoverageNow is an independently operated educational project, not a venture-backed startup or a subsidiary of a larger insurance company — see our About page for more.