Covered By Greco — Honest Health Coverage. Better Than Direct.

Instant ballpark

See what coverage might cost.

A quick estimate based on your age and household. For your real subsidy-adjusted rate, let's get on a call.

Your age

Gender

Children on plan

Spouse on plan

Estimate only. For your real subsidy-adjusted ACA rate or a private PPO quote, book a call.

Public · ACA

HMO/EPO, income-based

$—

Private · PPO

Open-access, health-based

$—

This is a ballpark. To see your subsidy-adjusted ACA rate and the best private PPO in your ZIP, let's get on a quick call.

Get my real rate →

How it works

Three steps. No surprises.

From first call to enrolled coverage — most of my clients are done in under an hour, spread across two short calls.

☎

Free 15-min call

Tell me about your health, your budget, and what's not working with your current coverage.

⚕

Verify doctors + meds

Before you enroll in anything, I confirm your current doctors and prescriptions are in-network. No surprises after the fact.

✓

You enroll with confidence

I walk you through enrollment and stay your broker for life. Questions later? Just text me.

What I cover

Every kind of health coverage that actually fits.

I'm an independent broker — I work for you, not a single carrier. That means I can compare every option side by side.

ACA · Marketplace

Public marketplace plans

Government-subsidized health plans through Healthcare.gov. The right call when your household income qualifies you for premium subsidies.

Pricing tied to household income
HMO and EPO networks
Covers all 10 essential health benefits
Subsidies can dramatically reduce monthly premiums

Subsidy-adjusted premiums

~14% of ACA enrollees nationwide pay $0/month after subsidies. Yours depends on income + family size.

Private · PPO

Private marketplace plans

Off-marketplace PPO plans from major carriers. The better fit when you want network flexibility, lower deductibles, and your income doesn't qualify for big ACA subsidies.

Eligibility based on health, not income
Open-access PPO networks — bigger doctor lists
Typically lower deductibles than ACA
Blue Cross, UnitedHealthcare, Cigna, and more

12+

Carriers I actively shop

An agent locked to one carrier has one answer. I have twelve — and I'll show you why some win for your situation and some don't.

Dental · Vision · Supplemental

Fill the gaps

Standalone or add-on coverage to fill the gaps in your primary plan — and protect against the costs your major medical doesn't touch.

Dental and vision plans
Accident and critical illness
Hospital indemnity coverage
Short-term medical bridges

Bundle the gaps

Most major medical plans skip dental, vision, accident, and critical illness. We stack what you need — and only what you need.

Health insurance made simple

The terms that actually matter — in plain English.

Most people get sold a plan they don't really understand. Here's the quick version so you can ask better questions.

HMO

Smaller network, requires referrals from your primary care. Cheapest premiums, least flexibility.

PPO

Largest network, no referrals needed. Can go out-of-network at higher cost. Most flexibility.

EPO

Medium network, no referrals, but you must stay in-network. Middle ground.

Max OOP

The most you'll pay in a year. Once you hit it, insurance covers 100% — your real safety net.

	Going direct	With Covered By Greco
Cost to you	$0	$0
Carriers compared	1	12+
ACA vs. Private side-by-side	✗	✓
Doctor / Rx network check	You do it	I do it
Same human next year	Call center roulette	Text me — same person
Claim denied later	1-800 hold music	I fight it with you
Pressure	Sold by commission script	Zero

Why Covered By Greco

What you get with a real broker on your side.

Real human guidance

You talk to me directly — not a call center. Same number every time. Same person who knows your file.

✓

No pressure, ever

If a plan isn't right for you, I'll say so. I'd rather lose the deal than enroll you in something that doesn't fit.

⚖

Every carrier compared

I'm independent. I shop ACA, every major private carrier, and supplemental — then bring you the honest top picks.

∞

Your broker for life

I don't disappear after enrollment. Claim denied? Premium jumped? Time to switch? Text me — every year.

Emanuel Greco, Licensed Insurance Broker

About Emanuel

A real human. Not a call center.

I started Covered By Greco because the way most people get health insurance is broken. Robo-quotes. High-pressure scripts. Plans pushed because they pay the highest commission — not because they fit.

I do this differently. I'm an independent broker licensed in 31 states. I sit on the phone with you, walk through every option that actually fits, and stay your point of contact for as long as you have the plan. Claim issue two years from now? You text me — not a 1-800 number.

— Emanuel

More about me → Book a call

Reviews from real clients

22 five-star reviews. Not a single one below.

Every review below is a real client on my public Google Business Profile. Click through to verify.

5.0

★★★★★

22 verified reviews

Write a review See all on Google

Helpful staff 8 Health insurance 4 Clear explanations 3 Budget-friendly 3 Easy process 2 Patient staff 2 Answered questions 2 Pricing 2 Finding coverage 2

Drendelism Drendelism Local Guide

23 reviews · 3 months ago

★★★★★

Emanuel is fantastic! A true professional, he helped me find a great plan for my family and I. He is super knowledgeable, patient and incredibly responsive. He made the process extremely easy and took a huge weight off my shoulders. Thank you again, Emanuel!

Jessica Goodpaster

5 reviews · 5 months ago

★★★★★

I waited til the last minute to renew my plan. I went into panick mode when i saw the cost. I was fortunate to get Emmanuel, he reached out and let me know he could do better. And, better he did. He was able to find a better fit for me and saved me several hundred dollars. Thank you E!

Whitney Rice Local Guide

12 reviews · 8 months ago

★★★★★

Emanuel was an incredible help as I was searching for private health insurance. He was able to find plans that fit my needs and budget and he thoroughly explained each one so I understood. I highly recommend him if you're looking for a plan! Thank you, Emanuel!

Kennedy Stonehawk Local Guide

10 reviews · 9 months ago

★★★★★

I recently purchased private health insurance and Emanuel was my broker. He very clearly explained all of my options and took the time to ensure I was getting exactly what I needed. I had follow up questions the next day and Emanuel set up time to talk and communicated with the insurance company on my behalf. I highly recommend Emanuel.

Jasmine Andino

4 reviews · 8 months ago

★★★★★

Emmanuel was great with finding me new coverage with more options and zero deductible that came out to be in my price range. He was caring, transparent, and knowledgeable when going over the coverage options available for me. I would absolutely recommend him.

Emily Blanco

2 reviews · 7 months ago

★★★★★

Made the process super simple! Thoroughly explained everything and answered any and all questions. Cannot recommend him enough!

Jessica Lopez

5 reviews · 4 months ago

★★★★★

Emanuel very helpful, knowledgeable, and made the whole health insurance process easy. Highly recommend! Great experience!

Jeff Barrette

1 review · 9 months ago

★★★★★

Emanuel has been ideal to work with. Wish I had more like him!

Read all 22 reviews on Google →

Health insurance
made simple.

See what coverage might cost.

Three steps. No surprises.

Free 15-min call

Verify doctors + meds

You enroll with confidence

Every kind of health coverage that actually fits.

Public marketplace plans

Private marketplace plans

Fill the gaps

Licensed in 31 states — and growing.

The terms that actually matter — in plain English.

HMO

PPO

EPO

Max OOP

Direct vs. with Emanuel.

What you get with a real broker on your side.

Real human guidance

No pressure, ever

Every carrier compared

Your broker for life

A real human. Not a call center.

22 five-star reviews. Not a single one below.

Pick a time. We'll handle the rest.