★ 01 · THE PROMISE

Health insurance wasn’t built
for the way you live.
We built something that was.

Private, off-exchange. Typically 50–60% lower than a comparable PPO. Licensed in all 50 states — NPN #19482230. A real number in 90 seconds, no email until you ask for one.

↓ How Nora works
No email · No sales calls · No follow-up unless you ask
Nora · Live 90-second check
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NORA · LICENSED ENROLLMENT ASSISTANTHi — I’m Nora. Tell me what changed in 2026 and I’ll pull a real number.just now
Premium up 28% on renewal. I’m self-employed.now
U
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Got it. Quick gut check before I pull anything — anyone on the plan have an ongoing condition?now
No.now
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I can write you at $290/mo on UnitedHealth Choice Plus PPO — vs. the $712/mo your renewal shows. Same major network. $5,064 less per year. Pulling the carrier breakdown now.now
ShopHealthcare is licensed in · NPN #19482230 · A+ BBB · 10,148 members enrolled · Not a government site
★ THE RECEIPTS

A real shop, not a pitch.

Operated by Core Value Insurance Associates, LLC · NPN #19482230 · licensed in . Verifiable at NIPR.com.

UnitedHealthcare Blue Cross Blue Shield Cigna Aetna Humana

Networks Nora routes to. We route, never fake a quote.

No data resold
★ LIFE HAPPENS

We sell only what you need now.
Upgrade anytime if life changes.

The plan we’d write you is built for healthy, low-utilization people right now — not for the life you might live in five years. If anything changes — pregnancy, a diagnosis, more kids, more usage — Nora moves you to a plan that covers it. Same shop, no penalty, no re-application drama.

24/7/365 · Same brokerage · No upgrade fee

03 · YOUR SITUATION

Pick the situation closest to yours.

Whichever you pick, the next 90 seconds look the same.

NORA IS ONLINE
★
~90s AVERAGE PLAN CHECK
★
$5,064 TYPICAL ANNUAL MEMBER SAVINGS
★
2,847 ACTIVE CASES THIS WEEK
★
50 STATES LICENSED
★
NO EMAIL TO SEE THE NUMBER
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NPN #19482230 · CORE VALUE INSURANCE ASSOCIATES LLC
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METHODOLOGY PUBLISHED · NPN VERIFIABLE AT NIPR.COM
★
★ 04 · TWO PATHS OUT

Two paths. One honest answer.

Clean profile or complex situation — Nora routes to the plan that fits, not the one that pays us most.

01 Clean profile

A lower-premium plan.

UnitedHealth Choice Plus PPO with a fixed-indemnity supplemental. Same network, same doctors — typically 50–60% below a comparable PPO.

50–60% lower than a
comparable PPO
02 Complex situation

The plan that actually fits.

Pre-existing condition, pregnancy, or regular care — Nora routes you to a different private plan that covers what you need. Same shop, same honest pricing.

Right-fit pricing.
No upsell.
Here’s how the math actually works ↓
★ THE MATH

Members typically save 50–60%
on their annual premium.

Here’s how that’s actually possible.

Six honest reasons the math works — no tricks, no fake networks, no fine print.

01

Two simple pieces stacked, instead of one bloated plan.

Your main plan covers doctors and the network — 93% of doctors and 97% of hospitals nationwide. A small second plan kicks in for big stuff, like $5,000 a day if you’re hospitalized. Each piece does one job well. That’s why it’s half the price.

02

Most brokers get paid more if you stay on a more expensive plan.

Their commission is 10–25% of whatever you buy. The pricier the plan, the bigger their paycheck — so they don’t tell you about lower-premium options. We get paid the same no matter what you pick. No reason to push you up.

03

We skip the marketplace surcharges baked into Healthcare.gov pricing.

Plans on Healthcare.gov pay extra fees built into the price. We don’t sell those plans. We sell off-exchange plans straight from the carrier — same big networks, none of the extra fees on top.

04

This plan is built for healthy adults — and we say so up front.

It doesn’t cover maternity, mental health, or kids’ dental. If you need any of those, we route you to a different private plan that does — same shop, same honest pricing.

05

One real quote. No upsell, no tier, no follow-up calls.

You see the actual deductible, the actual network, the actual monthly cost. You decide. You walk away or you enroll. Email is the last thing we ask, only if you want it.

06

Our renewals have stayed under 5% a year, historically.

Compare that to the 26–114% spike a lot of people just got on their 2026 ACA renewal. Off-exchange doesn’t carry that wild volatility — your renewal stays predictable.

And both paths — the lower-premium plan and the broader-coverage option — are priced and quoted the same way. No broker spread. No commission tilt. No dead ends.

05 · UNLOCK

Unlock the math in 90 seconds.

It starts with your card. Nora reads every line, translates the math, and writes it back as a plan summary in chat.

01 · The scan

Hold up your card.

No upload. No SSN. The image stays on your device.

02 · The read

Every line, every number.

Deductible, copays, OOP, network — straight from the carrier.

03 · The translation

What it actually means.

Plain English. Gaps flagged. Lower-premium alternative if Nora finds one.

04 · The summary

Continue with Nora.

Your plan summary lives in chat. Ask anything. Walk away anytime.

Numbers shown are illustrative — based on representative customers. Your actual rate depends on your state, age, and conditions.
06 · UNDER THE HOOD

What you actually get from us.

Six things real people care about — not features, not taglines.

A real number. Not a range.

Most quoting tools show "starting at" brochure math. We show the named carrier (UnitedHealth Choice Plus PPO), the real deductible, and your actual monthly cost — typically 50–60% below a comparable PPO. The plan stacks the PPO with a fixed-indemnity supplemental, so two products carry the load and the math holds at a lower premium.

$890/mo
Trad PPO · 52yo
−$400/mo
With us
$4,800/yr
Annual savings
93%

Same network. Lower premium.

UnitedHealth Choice Plus is one of the largest PPO networks — 93% of doctors, 97% of hospitals. Your doctor almost certainly takes it. Nora verifies before you commit.

1099

Built for irregular income.

Sized to your actual annual revenue, not "family-of-four" assumptions. The supplemental rides on top, so a lucky year and an unlucky year both stay solvent.

0

We’ll tell you no.

If the lower-premium plan isn’t a fit, you get a different private plan that is — or an honest "we can’t write you in your state." Never a quote you couldn’t actually buy.

17

State rules, surfaced upfront.

PA 5-yr lookback · NV/WY 6-mo · DE 60-cap · CA no-deductible · TX waivers. Nora tells you yours before you fill anything in.

Walk away with your plan summary.

Nora writes back the recommendation in chat — the carrier, the deductible, the network, the trade-offs. Save it, send it, sleep on it.

07 · BACKSTORY
We took out the email gate. ★ We took out the broker incentive. ★ We took out the empty ‘guaranteed savings’ promise. ★ What’s left is private off-exchange coverage, the math, and a shop that publishes its receipts. ★ We took out the email gate. ★ We took out the broker incentive. ★ We took out the empty ‘guaranteed savings’ promise. ★ What’s left is private off-exchange coverage, the math, and a shop that publishes its receipts. ★
08 · MEMBERS

Real people. Specific outcomes.

09 · FINE PRINT

Mechanics questions.

Still have a question? Contact us — we'll be happy to help.

Is ShopHealthcare a real licensed shop?

Yes. ShopHealthcare is operated by Core Value Insurance Associates, LLC — licensed in all 50 states under NPN #19482230. You can look us up at www.nipr.com before sharing a single piece of personal info.

Is Nora a real person?

Nora is ShopHealthcare’s licensed enrollment assistant — the digital tool through which Core Value Insurance Associates LLC (licensed in all 50 states) does its quoting. She’s available 24/7. We always tell you when you’re talking to her vs. a person.

What’s the catch? How do you make money?

The carrier pays our broker fee — disclosed in the footer, the same place every regulated insurance shop puts it. You pay your monthly premium and nothing else. No upsell, no premium tier, no “concierge” upgrade.

What about my data?

Your card image stays on your device — Nora reads it locally, then discards. We never ask for your SSN. Carriers only see your data when you ask us to enroll. No follow-up spam, no resold leads.

What's the difference between this and a government exchange?

Exchange navigators only show you plans that pay through the exchange. ShopHealthcare is licensed in all 50 states and walks you through every private plan in your state, on or off the exchange, without the upsell or the fee that used to ride on top.

How accurate is the scan?

Nora reads your insurance card, pulls the carrier's published benefit summary, and translates it into plain English. Numbers come straight from the carrier. We always show you the source so you can double-check.

Do you need my email to see the number?

No. The first real quote lands before we’ve collected anything from you. Email is the last thing Nora asks, and only if you’re ready to enroll. Close the tab any time.

Which states are you licensed in?

Core Value Insurance Associates, LLC is licensed in all 50 states. State-specific license numbers (FL, CO, KY, NV, TN resident/non-resident) are listed in the footer.

★ 10 · YOUR MOVE

Close the tab, or run the check. Either way, no email.

Ready when you are.

Pick the case that looks like your life. Or just hit the button.

See the 6 cases
No email · No sales calls · No follow-up unless you ask
N online now Chat with Nora →