Neutral Intelligence for Insurance

Built for consumers.
Not sales commissions.

The first AI-powered insurance advisory platform built to operate free from commission-driven influence, captive bias, and the deliberate confusion that has defined American health insurance.

Free forever. No data selling. No salespeople. Ever.
01 / Distortion
Commission-Driven Bias
Commission incentives have systematically failed the American consumer. Millions have been funneled through high-pressure sales tactics into legally defined junk plans, policies designed to look like health insurance while offering almost none of its protection.
02 / Deception
The Junk Plan Epidemic
Consumer confidence in US health insurance has never been lower. What consumers do not realize is that their frustration is not with health insurance itself. It is with being deceived into products that were never designed to protect them.
03 / Consequence
Catastrophic Exposure
Medical debt is the leading cause of US bankruptcy. Millions unknowingly overpay for fake coverage. This is a systematic failure at massive scale, and the industry does not need more products to fix it. It needs a ground-up decision infrastructure never seen before.
The platform

Trained to reason.
Not to sell.

Sovra analyzes your individual circumstances through a structured intake and objectively evaluates your coverage options. The ultimate function is to operate as a neutral decision layer between you and your policy.

Built on over 4,000 real consumer consultations. Trained on how real insurance conversations unfold, not how marketing scripts are written.

Not a captive agent or agency. Sovra has no obligation to any carrier.
Not a lead aggregator. Your information is never sold.
Not commission-optimized. Recommendations are based solely on your health and financial needs.
The first AI-powered insurance advisory platform. Built exclusively for consumers.
Free forever. Sovra is free to every American. No fees. No subscriptions.
Transparent and explainable. Every recommendation shows its reasoning so you stay in control.
The health insurance industry does not need more products. It needs one honest advisor that every American can access for free. That is what Sovra is built to be.
Free forever
Zero commission influence
No data selling. Ever.
CMS Compliant
Built on 4,000+ real cases
Step 1 of 6

What state are you in?

Coverage options and available carriers vary by state.

Step 2 of 6

Your ZIP code?

Determines which specific carriers and plans are available in your area.

ZIP Code
Step 3 of 6

Who needs coverage?

Select everyone who needs a health insurance plan.

Step 4 of 6

Current insurance situation?

Be honest here. This is how Sovra identifies if you are being overcharged or underprotected right now.

Step 5 of 6 — Most Important

Household income this year?

This is the single most important number Sovra needs. Here is exactly what to enter:

Everyone: Use your total projected income for this year, not what you made last year. This determines your subsidy eligibility and your actual monthly premium.

Combined household: Include all income for every adult in your household, even if only one person needs coverage. If you are married and file jointly, add both incomes together.

Pre-tax income: Enter your gross income before taxes are taken out, not your take-home pay.

Self-employed: Enter your personal pre-tax income, not your business revenue or gross sales. This is what you report on your personal tax return.

Why accuracy matters: Underestimating can trigger unexpected tax bills at year end. Overestimating means you pay a higher monthly premium than you need to.
Annual Household Income

Not sure of the exact number? Your best estimate is fine. Sovra will help you confirm during your session.

Step 6 of 6

Why are you looking for coverage right now?

This helps Sovra understand your situation and urgency before your session begins.

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Sovra Advisory
Zero commission influence
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Your advisor is ready.

Sovra has reviewed your information and is ready to speak with you. The conversation will be recorded as a transcript on screen. Tap the button below to begin.

Sovra will ask for microphone access. Your conversation is private and never sold.

Live Transcript
Your conversation will appear here as you speak.

Admin Access

Enter your admin secret to manage Sovra's knowledge base.