Policy Bear is a trusted, ACA-first health insurance agency dedicated to underserved Americans, especially low-income individuals, families, and small business owners. We were built to simplify healthcare access with genuine care. Partnering with top carriers, we’ve helped thousands across all 50 states through a growing network of licensed, compassionate agents.

Our human-centered approach focuses on clarity, care, and convenience. From personal ACA plan comparisons to enrollment support, we guide you every step of the way. With our ACA Plan Comparison and subsidy calculator tools, you can explore your eligibility and savings before making decisions.

Beyond ACA plans, we help you find supplemental insurance options because your primary plan may not cover everything you need. Backed by thousands of 5-star reviews, our clients trust us to make health insurance simple, supportive, and stress-free. At Policy Bear, we treat you like family. Let’s find the best plan for your life together.