The right plan for your life, all year.
A licensed advisor compares plans in your county against your doctors, prescriptions and budget, and helps you choose. Then the Malta Concierge stays with you, booking visits and checking each bill against your plan before paying it for you.
- Doctors, prescriptions and history syncedRecords · Jan
- 2027 plan started, ID cards on your phonePlan · Jan
If you buy your own plan, we handle it.
Individual plans are for people without coverage through a job. Whether that started this week or years ago, a licensed advisor checks your options and we handle the rest.
Between jobs
You left or lost a job, and your coverage ends with it.
What Malta does
We compare COBRA with a plan of your own and enroll you before your window closes.
Self-employed
Freelancers, consultants and owners with no employees.
What Malta does
We find your plan, re-check it each fall and help with your doctors and the admin of your care.
Gig workers
Driving, delivering or platform work, with income that changes.
What Malta does
We price plans with any tax credit you qualify for and update it when your income changes.
Retired before 65
You've stopped working and need your own coverage until 65.
What Malta does
We find a plan for the years in between and re-check it each fall.
Founders
You left a job to start a company, and there's no company plan yet.
What Malta does
We find you a plan of your own now and set up a company plan when you are ready.
Turning 26
You're coming off a parent's plan for the first time.
What Malta does
We find your first plan and help you use it, from finding doctors to the admin of care.
We narrow your options to the plan that fits.
We check the Marketplace and off-exchange plans in your county against your doctors, prescriptions and budget, and a licensed advisor walks you through the closest match.
Then Malta stays with you the rest of the year
Whether you're choosing your first plan or already have one, it starts with a licensed advisor, and the Malta Concierge helps with your doctors and the admin of your care all year.
A licensed advisor starts by learning where you are, whether you're buying your first plan, changing jobs or moving a plan you already have to Malta. Then we tell you which plans you can get and when you can enroll.
FAQs
Straight answers about switching to Malta, changing plans and what it costs.
Yes, at any time. You keep the plan you have and name Malta as your agent, which doesn't change your coverage or what you pay. From then on, a licensed advisor re-checks it each fall and the Malta Concierge helps with your doctors and the admin of your care.
Anyone can change plans during open enrollment each fall. Outside it, a move, a new job, a marriage or a baby can open a special enrollment window, and we check whether you qualify.
The Malta Concierge helps you find the best in-network doctors for you and handles the logistics and admin around your care, and each fall a licensed advisor re-checks your plan against what's new.
A licensed advisor in your state handles the plan advice, and the Malta Concierge takes it from there, from finding doctors to the admin of your care.
We compare plans against your doctors, prescriptions and budget, including plans from insurers that don't pay us, and walk you through the trade-offs. You can also compare Marketplace plans yourself at HealthCare.gov or your state's marketplace.
Like Airbnb or Uber, we take a cut. When you enroll in a plan through Malta, the insurer pays us a commission, and your premium is the same as buying from the insurer directly.
Bring your coverage questions to a licensed advisor.
We'll compare your options, help you choose, and stay with you for the rest of the year. Nothing changes until you decide.