AI Insurance Advisory

Millions of Americans are paying for insurance that won't cover them.

Sovra is the first AI advisory built to operate free from commission-driven influence, captive bias, and the deliberate confusion that has defined health insurance. A long awaited change to the American insurance industry is here. No more agents. No more scams.

Free forever. No salespeople. No data selling. Ever.
Live advisory example
Your current plan isn't actually covering you.
Current plan"Private Health PPO Plan"
Monthly premium$280 / mo
Out-of-pocket maxNone
Prescription coverageNone
With Sovra you qualify for
Blue Cross Blue Shield Gold
$121/mo
Deductible$0
Prescription coverageIncluded
Out-of-pocket max$3,000
Does this sound familiar?

You've been through this. Most Americans have.

You called your insurance and found out your surgery, procedure, or prescription was not covered. Nobody told you that when you signed up.
You are paying $300 or more a month for a plan you have never been able to actually use.
Someone sold you a plan over the phone that sounded comprehensive. Now nothing gets approved and every claim comes back denied.
No doctor's office has ever heard of your insurance plan before.
Your prescriptions are not covered and you found out at the pharmacy counter, not before you enrolled.
You have no idea if your plan is real coverage or not. Nobody has ever explained it to you clearly.
Sovra was built for exactly this.
Your insurance agent works for commission, not for you.
01 / The problem
Commission-driven bias.
Every agent you have ever spoken to had a financial incentive to place you on a specific plan. Sovra has no carrier relationships and no bias — it will put you in your objectively best position possible.
02 / The deception
The junk plan epidemic.
Millions of Americans pay monthly premiums for plans with no out-of-pocket maximum, no prescription coverage, and no real protection. Sovra identifies these plans immediately.
03 / The solution
One honest advisor.
Built on thousands of real consultations. Sovra knows how these conversations unfold and what questions actually matter for your situation.
The health insurance system is built to sell. Not to protect you.
No carrier relationships. No commission incentives. No allegiance to anyone but the person asking the question. Save money and get better coverage, guaranteed.
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Free forever
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Zero commission influence
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No data selling. Ever.
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Built on 4,000+ real cases
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CMS compliant
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.
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Your Best Options
Objectively ranked. Zero commission influence.
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Finding your best options...
Searching all available plans in your area and calculating your subsidy.

Admin Access

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