Most insurance sites sell you a card. We take the policy apart on the table — premium, deductible, copay, network, formulary — and show you every layer in detail. Then you decide.
We treat each insurance plan like a precision product. Cross-sections, spec sheets, exploded views. Read what's actually inside before you commit to anything.
ACA, PPO, HMO, EPO, HDHP. We disassemble every plan tier and chart every coverage layer — preventive, primary, specialist, ER, mental health, prescriptions.
Preventive, basic restorative, major. Annual maximums, waiting periods, in-network percentages — exposed and compared across every plan we review.
Exam allowances, frame credits, contact lens budgets, LASIK discounts. Every benefit decomposed to a dollar amount and a frequency.
Critical illness, accident, hospital indemnity, short-term disability. We map exactly what triggers a payout — and exactly what doesn't.
Maternity, pediatric, dependent rules, family deductibles. One household, one policy diagram — every member's coverage in a single view.
Group health, dental, vision, life, disability, Section 125. We chart what each plan does to your payroll, your taxes, and your team's coverage.
Meet Policies isn't a quote site dressed up with stock photos. It's a research hub for the kind of person who wants the engineering drawing — not the brochure.
You read every line before you sign. Accountants, lawyers, engineers, educators. People who want the policy on the table — disassembled and explained.
You're picking coverage for a family or a team. You need exact deductibles, exact networks, exact formularies — not marketing copy and a glossy brochure.
55–65, planning the bridge to Medicare. Every dollar matters, every prescription matters, every specialist matters. We map all of it.
2–200 employees. You owe your team real benefits and yourself real numbers. We chart group plans against payroll, taxes, retention — line by line.
We treat your question like an engineering brief. Brief, breakdown, drawing, decision — in that order, every time.
Tell us what you're looking at — a specific carrier plan, a category, a comparison. Two minutes. No login.
Premiums, deductibles, copays, coinsurance, OOP maxes, network tiers, formularies, exclusions. All charted side-by-side.
Cross-section view. Spec sheet. What's covered. What's not. What every line in the SBC actually means in dollars.
Enroll through us or take the analysis elsewhere. Either way, you walked in knowing exactly what you were buying.
Insurance is sold as a feeling. We sell it as a drawing — with every measurement labeled, every tolerance listed, every exclusion visible.
We are not owned by a carrier. Our analysts get the same fee regardless of which policy you choose. The breakdown is the product.
Every recommendation is documented like an engineering brief. Component, value, source, page citation. No back-cover marketing.
Carriers pay a standard commission only if you enroll. The breakdown is yours regardless. No upsell, no hold music, no nudge.
Your dedicated analyst tracks plan changes year over year. When renewal hits, you get an updated drawing — not a generic email.
Three formats, one method. Every engagement starts with the question, ends with a drawing you can act on, and costs you nothing unless you enroll.
A focused breakdown of one health policy you're considering. Premium math, deductible mechanics, network coverage, formulary check.
Three to five plans laid out side-by-side. Every component charted, every difference visible. The full engineering drawing.
Custom group benefits design for 2–200 employees. Plan stack, payroll math, Section 125 setup, employee enrollment package.
Engineers, accountants, founders, teachers. They sent us questions. We sent back drawings. They sent back this.
REPORT — 01“I'd compared four ACA plans on three different sites and was still confused about formulary tiers. The Meet Policies breakdown took an hour, was free, and resolved it. They literally drew it.”
Maria RodriguezCPA · MIAMI, FL
REPORT — 02“I needed group benefits for 18 employees and every broker pitched me a 'package'. Meet Policies gave me a spec sheet with three real comparisons, including the payroll-tax math. That's what closed it.”
James ThompsonOWNER · THOMPSON PLUMBING CO.
REPORT — 03“My husband lost his job. We had two kids on his plan. Meet Policies mapped four bridge options against our prescriptions and pediatrician in under a day. We enrolled the next morning.”
Sarah LiuARCHITECT · AUSTIN, TX
REPORT — 04“I'm 58. The bridge to Medicare looked terrifying. The breakdown showed me — line by line — which plans actually carried my heart medication on a reasonable tier. That's the whole game.”
David ParkRETIRED TEACHER · CHICAGO, IL
REPORT — 05“I'm an engineer. I read schematics for a living. The Meet Policies output is the only insurance document I've ever read where the labels matched the lines.”
Aisha NwosuMECH. ENGINEER · HOUSTON, TX
REPORT — 06“Our startup needed real benefits to compete on hiring. Meet Policies delivered a comparison brief, the carrier proposals, and the payroll model. Three weeks faster than the broker we replaced.”
Ryan ChenCEO · NOVARA
A few quick questions. A licensed Meet Policies advisor or one of our marketing partners will reach out with plan options that match your needs.
We'll tailor your options based on who needs coverage.
The questions our analysts answer most. If yours isn't here, send it — we'll answer it the same way we answer everything: with the page, the clause, and the number.
Every ACA-compliant policy must cover ten Essential Health Benefits — preventive care, emergency services, hospitalization, prescriptions, mental health, maternity, pediatric services, lab work, rehabilitative care, and outpatient services. What changes plan to plan is the depth of each layer: copay amounts, deductibles, coinsurance percentages, network breadth, and formulary tiers. The Meet Policies breakdown charts each of those for the specific plan you're considering, so 'covered' becomes a number, not a feeling.
Start with the Summary of Benefits & Coverage (SBC) — every carrier must produce one. Inside, locate four numbers in order: the monthly premium, the annual deductible, the out-of-pocket maximum, and the coinsurance percentage. Then check the network directory for your providers and the formulary for your prescriptions. Meet Policies pulls all of this together in a single spec sheet so you don't have to chase a dozen PDFs.
Deductible: what you pay before the carrier starts cost-sharing. Out-of-pocket max: the absolute ceiling on what you'll spend in a calendar year on covered, in-network care — including deductible, copays, and coinsurance. Once you hit the OOP max, the carrier pays 100% of covered in-network costs for the rest of the year. The gap between the two is the coinsurance band.
A copay is a fixed dollar amount per service ($30 PCP visit, $50 specialist, $15 generic Rx). Coinsurance is a percentage of the negotiated cost after the deductible (commonly 20% of a $1,000 procedure = $200). Many plans use both, layered against the same OOP max.
Only if those doctors are in-network on the new policy. Meet Policies cross-checks your physicians, hospitals, and specialists against each carrier's current network directory before we recommend anything. Provider directories change quarterly, so we re-verify on every breakdown.
A formulary is the carrier's list of covered drugs, organized into tiers (typically 4–6). Tier 1 is usually generics with the lowest copay; Tier 4–5 covers specialty drugs with the highest cost share, often coinsurance instead of a flat copay. Two plans with identical premiums can have radically different formulary placement for the same drug. We chart this by drug name, not by tier label.
An HSA pairs with a qualified High Deductible Health Plan (HDHP). You contribute pre-tax dollars (2025 limits: $4,150 individual, $8,300 family) and spend them tax-free on qualified medical expenses. HSA funds roll over indefinitely and become a long-term tax-advantaged account — often the most efficient retirement-health savings vehicle in the U.S. tax code.
ACA Open Enrollment runs November 1 to January 15 for the following plan year. Outside that window, you need a Qualifying Life Event (job loss, marriage, birth, move, aging off a parent's plan, citizenship change) which opens a 60-day Special Enrollment Period. Off-exchange short-term plans are typically available year-round, with very different rules.
If your household income falls between 100% and 400% of the Federal Poverty Level you qualify for premium tax credits, and under current legislation eligibility extends above 400% FPL for many households. For 2025 a family of four earning up to $124,800 may still qualify for meaningful assistance. Our breakdown computes your subsidy automatically when you share your ZIP and household details.
We share your contact details only with carriers and partners whose policies you've asked us to break down or quote. Full disclosure lives on the Marketing Partners page, and you can opt out at any time via the privacy request form.
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