Pensive Life and Health is a licensed independent insurance brokerage helping individuals, families, and businesses compare plans across multiple carriers. We are not affiliated with the government.
No. Our services are completely free. We are compensated by insurance carriers, so your cost does not increase. For employers we may charge a small per employee fee.
Most U.S. citizens and legal residents qualify. Savings depend on your income and household size.
A Special Enrollment Period allows you to enroll outside Open Enrollment due to life events like losing coverage or moving.
Advantage plans replace Original Medicare, while Supplement plans reduce out-of-pocket costs alongside Medicare.
Most carriers require at least 2 full-time employees, though options vary by state.
Employers with 50+ full-time employees may be required to offer coverage under ACA rules or face penalties.