Health insurance, priced honestly

Know what you’ll actually pay.

Verd prices every kind of health plan you qualify for against your real year — premiums, deductible, prescriptions, all of it — and shows you one number per plan. Free, built on federal plan data, and we take no commissions from insurers.

Get my number 5 minutes · no account to start
A doctor going over paperwork with a patient in a bright clinic

What you get

One number per plan. The whole year, not just the premium.

The premium is a third of what a plan costs. Verd adds what you’d actually pay for care — your visits, your prescriptions, a bad month — so the cheapest plan on this list is cheapest for you.

Your recommendationExample · age 34 · Harris County, TX · $52,000 · Type 2 diabetes · 2 prescriptions
Bronze HMOrecommended$2,250
Gold HMO$2,863
Silver HMO$4,095
Bronze HDHP$4,110
Estimated total for the year · premium + careSaves $613 vs. the next-best plan

Who Verd is for

Anyone who has to pick a plan themselves.

Self-employed, between jobs, turning 26, retired before 65, or offered a plan at work and not sure it’s the right one. If you get a choice, Verd prices it.

A woman at her kitchen table reading a letter
Between jobsMarketplace · COBRA · a spouse’s plan
A pharmacist showing a prescription bottle to a customer
On a prescriptionYour prescriptions counted in every plan type’s total
A nurse laughing with an older woman
Retired before 65Marketplace now, Medicare at 65

How it works

Five minutes. Nothing to know in advance.

01
Medications
metfromin
metformin (Glucophage) Generic · for Type 2 Diabetes
Not sure? Leave it blank — you can add it later.
Tell us about your year

Age and income are the only required answers. Skip anything, add it later, and your number updates.

02
Analyzing your profile
Calibrating to the Harris County market
Projecting your year of care
Pricing every plan type you qualify for
Modeling a bad year
We price every kind of plan you qualify for

Marketplace tiers, your employer’s offer, Medicaid, Medicare, TRICARE — priced from your county’s 2026 marketplace rates in 30 states, and national estimates elsewhere.

03
Why this plan, in plain English

Even with $3,700 of prescriptions, Bronze’s lower premium beats Gold by about $600 this year. In a bad year, Gold caps you at $9,200 and Bronze at $10,600 — a $1,400 gap for sleeping easier.

You get the answer, explained

The total, the reasoning, and what happens in a bad year — in words anyone can follow.

Bill CheckerMemorial Hermann · visit 08/14
Office visit — specialist$210.00
Lab panel (CPT 80053)$146.00
Facility fee check — may not apply to your plan$185.00
Your plan’s specialist copay$45.00
Billed $541.00 · you owe $45.00$185.00 to question · appeal letter drafted for you to review

Verd Pro · $19.99 a month

Picking the plan is day one. Pro watches the other 364.

Bill CheckerEvery line compared to your plan’s rules. Errors flagged, appeal drafted.→Rx WatchdogThe cheaper route for each medication, checked every month.→Deductible trackerWhere you stand before you book the MRI — and when to book it.→Savings LedgerEvery dollar Verd found, in one running total.→
See everything Pro does

Why Verd exists

“We spent a decade in health policy watching people pick the wrong plan for one reason: nobody ever showed them the whole number. Verd is the tool we wished we could hand them.”

Alex and John · FoundersHealth policy professionals · more than a decade on Medicare, Medicaid and marketplace legislation
Prices from the same federal file insurers report toCMS · 2,055 counties
Commissions from insurersNone
Your answersNever sold, never shared

State ACA Marketplaces

How your state runs it, and what plans cost in your county.

All 50 states and DC. County-by-county prices in 30 states.

Stop overpaying for health insurance.

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