An insurance marketplace you can text

The health plan marketplace that texts you the right plan.

Stuck with your employer's two options, or shopping on your own? Text Covera your situation. It searches the entire marketplace, simulates what you'd truly pay, answers any what-if, and can even reach out to your employer or hospital once you choose.

iMessage for now (blue bubbles). Prefer the web? The full optimizer lives under For patients.

CoCoveraiMessage

Hi, I'm Covera 👋 What's your situation?

34, Texas, $48k, type 2 diabetes.

Your employer plan is $420/mo, but you qualify for a subsidy. The best marketplace plan is ~$246/mo. Want the top 3?

It starts with a text

No forms. No portals.

Covera is a marketplace engine you talk to like a person. Give it your situation in plain language and it does the shopping.

CoCoveraiMessage

Hi, I'm Covera 👋 Tell me a bit about you and I'll find the right health plan from the whole marketplace, not just what an employer hands you.

Every figure traces to public data

CMS Marketplace Public Use FilesAHRQ MEPS expenditure dataCMS Medicare physician pricesACA subsidy (APTC) benchmark

CoCoveraiMessage

Hey, I'm the real Covera agent: the same one that texts you. Tell me about yourself and what worries you about health costs, and we'll figure out the right plan together. No forms, just talk.

Talk to the real agent

This is the genuine multi-agent system: the same one that texts patients. It listens, asks about your life, runs the real CMS-data simulation, and tells you which plan fits you and why. Tell it more and it tailors. Tap any plan to ask why. No sign-up.

Want it on your phone for real? Add your number in the hero: Covera texts iMessage users (blue bubbles) when a relay is configured.

One marketplace engine

Built for everyone the current system leaves guessing.

Patients overpay, employers overspend, and hospitals eat the bad debt. Covera lines them up on the same real numbers, and the agent connects them.

For patients

Shop, then never overpay again

Plans ranked by risk-adjusted cost, a real estimate before any procedure, a bill auditor that catches overcharges, an appeal drafter for denials, and a Coverage Card you own.

Find your plan

For employers

Offer real choice

Model an ICHRA contribution against real marketplace prices and your workforce, and let employees pick what actually fits them.

Open the modeler

For hospitals

Cost clarity at the desk

Scan a patient's Coverage Card to see coverage and real point-of-care cost, without ever pulling a record.

Try the card reader

How it works

From a text to the right plan, and beyond.

Text your situation

Age, state, income, conditions, meds: in plain language. An intake agent turns it into a structured profile. No forms.

Agents do the shopping

Covera ranks every real plan in real time, then simulates your bad-year tail so the cheapest plan isn't mistaken for the right one, and compares it to your employer offer.

Choose: it acts for you

Pick a plan by text. Covera drafts and sends outreach to your employer or hospital, and hands you a Coverage Card you own.

Then it stays all year

Get your real cost before a procedure, forward a bill to catch overcharges, draft an appeal for a denial, and re-check at every open enrollment.

Find a better deal than the one you were handed.

Text Covera, or build your profile on the web. Either way you get the whole marketplace, grounded in real data, working for you.

Open the optimizer