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Explore plans and benefits designed for real people — simple, flexible, and built around your choices.
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Get expert guidance, clear answers, and the right coverage, without endless hours of research.
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3400+ 4.9 star reviews

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Protect your smile with routine cleanings, exams, and major dental work. Plus save on eye exams, glasses, and contacts.
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3400+ 4.9 star reviews

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Protect your smile with routine cleanings, exams, and major dental work. Plus save on eye exams, glasses, and contacts.
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Lucie makes benefits clear, personal, and easy. So you can choose what works best for you with total confidence.

Personalized guidance for every situation

We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.

Personalized guidance for every situation

We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.

We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.

We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need. We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.
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Lucie makes benefits clear, personal, and easy. So you can choose what works best for you with total confidence.

Personalized guidance for every situation

We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.

Personalized guidance for every situation

We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.

We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.

We learn what matters to you and surface the plans that actually fit your life not endless options you don’t need.
24/7access to support

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Explore plans and benefits designed for real people.

Simple, flexible, and built around your choices.

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Compare Lists

ACA health insurance plans are required to cover the following healthcare services, often referred to as the 10 essential health benefits:

Covered

  • Annual routine check ups

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  • Annual routine check ups

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  • Annual routine check ups

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Not Covered

  • Frames or contact lens over allowance

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  • Frames or contact lens over allowance

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  • Frames or contact lens over allowance

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Plans that fit your life simple, personal, and easy to compare.

80% qualify for savings

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Plans that fit your life simple, personal, and easy to compare.

80% qualify for savings

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Plans that fit your life simple, personal, and easy to compare.

80% qualify for savings

Footnotes

Oscar Medical coverage is underwritten by Oscar Insurance Company located in New York, New York. Plans sold in New York are underwritten by Oscar Insurance Corporation located in New York, New York. Plans sold in Florida are underwritten by Oscar Insurance Company of Florida. Plans sold in New Jersey are underwritten by Oscar Garden State Insurance Corporation. Administrative Services for all plans provided by Oscar Management Corporation. Plans sold in Texas use policy and associated COC form numbers OSC-TX-IVL-HMO-EOC-2025-HIX OHIN-134128348; OSC-TX-IVL-HMO-EOC-2025 OHIN-134128297; GUIDED OSC-TX-IVL-HMO-GOLD-GUIDED-CARE-EOC-2025 OHIN-134128360; OSC-TX-IVL-EOC-2025 OHIN-134080911;OSC-TX-IVL-EOC-2025-HIX OHIN-134080906; OSC-TX-S-IVL-EOC-2025-HIX OHIN-134079760; OSC-TX-S-IVL-EOC-2025 OHIN-134079760. Plans sold in Virginia use policy and associated form numbers VA ON OSC-VA-IVL-EOC-2025-HIX OHIN-134065976; VA OFF OSC-VA-IVL-EOC-2025 OHIN-134065976.

HMO products are offered by Oscar Insurance Corporation and Oscar Buckeye State Insurance Corporation in Ohio, Oscar Health Plan, Inc. in Arizona and Illinois, Oscar Health Plan of Pennsylvania, Inc in Pennsylvania, Oscar Health Plan of Georgia in Georgia, Oscar Health Plan of North Carolina, Inc. in North Carolina, Oscar Managed Care of South Florida, Inc. in Florida, Oscar Health Plan of New York, Inc. in New York, and Oscar Managed Care in Texas.
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs, and complete details of coverage, contact a licensed agent or Oscar sales representative.
1 $3 Prescriptions include up to a 30-day supply of medication. $3 prescriptions may not be available in NJ, or NY, on FL Off-exchange, Ohio off-exchange plans, or on Catastrophic/Secure plans, Standard plans, or non-Cigna
2 Oscar’s Virtual Urgent Care offerings are not available in US territories or internationally. If you have an HSA-compatible high-deductible health plan or a Secure plan, you won't be eligible for $0 visits. Prescriptions, visits and services may be limited per provider discretion.
3 For 2025, Oscar Primary Care is available in TX (excluding non-elite EPO Bronze plans), NY (excluding Standard Silver, Standard Bronze, and Secure plans), FL (excluding HSA and Secure plans), AZ (excluding Secure plans), GA (excluding HSA and Secure plans), OK (excluding Secure plans). Oscar Primary Care providers are employed by Oscar Medical Group, not Oscar Insurance Company or its insurance plan affiliates. Oscar Primary Care is only available to members 18 years of age and older. Prescriptions, visits and services may be limited at the provider’s discretion and Oscar Primary Care is not intended to be used in conjunction with another primary care consultation. Oscar Care in-person visits in conjunction with your virtual visit may have a copayment. Due to medical licensing laws, you must be in your home state at the time of your virtual visit. On HMO plans in GA and TX, and on EPO plans in Northern and Central FL markets there may be a cost share associated with your visit. Please view plan details here for more detailed information.

For Agencies

Highlights List

Whether you’re new to the ACA Marketplace or have been helping clients get coverage since the original launch of HealthCare.gov, Lucie helps you grow your business.

All On-Exchange Issuers on the EDE platform

Lucie allows you to use the EDE platform for every on-exchange issuer in your market, it is not limited to certain carriers.

Flexible Fees

You can choose among our various fee packages or ask us about how you can use the site at no cost to you.

Tech Support Your Way

When you are busy and you need access to support fast, you can receive live help from one of our Akron, OH based tech support team members or complete a ticket.

All On-Exchange Issuers on the EDE platform

Lucie allows you to use the EDE platform for every on-exchange issuer in your market, it is not limited to certain carriers.

All On-Exchange Issuers on the EDE platform

Lucie allows you to use the EDE platform for every on-exchange issuer in your market, it is not limited to certain carriers.

All On-Exchange Issuers on the EDE platform

Lucie allows you to use the EDE platform for every on-exchange issuer in your market, it is not limited to certain carriers.

All On-Exchange Issuers on the EDE platform

Lucie allows you to use the EDE platform for every on-exchange issuer in your market, it is not limited to certain carriers.

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Have a question or need support? Our team is ready to help you understand your options and move forward with confidence.
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Learn more about Lucie and our Vision
We built Lucie because we’ve seen how confusing health benefits have become, even for people who work in this space every day. Too many choices, too little clarity, and decisions that feel harder than they should.

We believe people deserve better. Better tools. Clearer information. And an experience that respects how important these decisions really are.

Lucie was created to bring structure, transparency, and humanity back into health benefits. We combine thoughtful design with deep expertise to help people understand their options and choose with confidence, whether you’re picking coverage for yourself, supporting clients, or caring for a team.

We’re proud of what we’re building, and even more excited about where it’s going. Thanks for being here and for taking the time to learn about Lucie.

With Love from NYC,
Lisa & Fred

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Media Testimonials - Multiple

“Lucie finally made health benefits make sense.”

Maria Harris,

Using Lucie since 2020

“Lucie finally made health benefits make sense. Lucie finally made health benefits make sense.”

Maria Harris Maria Harris Maria Harris,

Using Lucie since 2020

“Lucie finally made health benefits make sense.”

Maria Harris,

Using Lucie since 2020

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“Lucie finally made health benefits make sense.”

Maria Harris,

Using Lucie since 2020

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How do I know which plan is right for me?

Yes. Lucie can help you understand what subsidies you may qualify for and how they affect your monthly costs. Just answer a few quick questions and we’ll calculate it for you.

How do I know which plan is right for me?

Yes. Lucie can help you understand what subsidies you may qualify for and how they affect your monthly costs. Just answer a few quick questions and we’ll calculate it for you.

How do I know which plan is right for me?

Yes. Lucie can help you understand what subsidies you may qualify for and how they affect your monthly costs. Just answer a few quick questions and we’ll calculate it for you.
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94%

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80%

of applicants qualify for our health services

94%

of applicants qualify for our health services

80%

of applicants qualify for our health services of applicants qualify for our health services

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Explore plans and benefits designed for real people. Simple, flexible, and built around your choices.

AI powered tool to find your best match

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  • No surprises or hidden fees.
  • From preventive care to urgent service
  • Get recommendations tailored to your needs
Explore Product

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A personalized and adaptable health solution that enables businesses to reimburse employees for their healthcare costs, including insurance premiums and medical bills.

Enroll with confidence

Learn more about how Lucie supports individuals and families to choose the best option

Find health coverage for you and your family

The Affordable Care Act ensures access to quality health insurance regardless of pre-existing conditions.

Get financial help

Check if you qualify, most people save $300-700/month

Get financial help

Check if you qualify, most people save $300-700/month

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A personalized and adaptable health solution that enables businesses to reimburse employees for their healthcare costs, including insurance premiums and medical bills.

Enroll with confidence

Learn more about how Lucie supports individuals and families to choose the best option

Find health coverage for you and your family

The Affordable Care Act ensures access to quality health insurance regardless of pre-existing conditions.

Get financial help

Check if you qualify, most people save $300-700/month

Get financial help

Check if you qualify, most people save $300-700/month

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A personalized and adaptable health solution that enables businesses to reimburse employees for their healthcare costs, including insurance premiums and medical bills.

Enroll with confidence

Learn more about how Lucie supports individuals and families to choose the best option

Find health coverage for you and your family

The Affordable Care Act ensures access to quality health insurance regardless of pre-existing conditions.

Get financial help

Check if you qualify, most people save $300-700/month

Get financial help

Check if you qualify, most people save $300-700/month

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A personalized and adaptable health solution that enables businesses to reimburse employees for their healthcare costs, including insurance premiums and medical bills.

Enroll with confidence

Learn more about how Lucie supports individuals and families to choose the best option

Find health coverage for you and your family

The Affordable Care Act ensures access to quality health insurance regardless of pre-existing conditions.

Get financial help

Check if you qualify, most people save $300-700/month

Get financial help

Check if you qualify, most people save $300-700/month

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A personalized and adaptable health solution that enables businesses to reimburse employees for their healthcare costs, including insurance premiums and medical bills.

Enroll with confidence

Learn more about how Lucie supports individuals and families to choose the best option

Find health coverage for you and your family

The Affordable Care Act ensures access to quality health insurance regardless of pre-existing conditions.

Get financial help

Check if you qualify, most people save $300-700/month

Get financial help

Check if you qualify, most people save $300-700/month

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A personalized and adaptable health solution that enables businesses to reimburse employees for their healthcare costs, including insurance premiums and medical bills.

Enroll with confidence

Learn more about how Lucie supports individuals and families to choose the best option

Find health coverage for you and your family

The Affordable Care Act ensures access to quality health insurance regardless of pre-existing conditions.

Get financial help

Check if you qualify, most people save $300-700/month

Get financial help

Check if you qualify, most people save $300-700/month

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The ACA marketplace connects you with health plans, financial assistance, and expert support. Choose your path below to get started.

Choose the Plan That Actually Fits Your Life

Instead of being stuck with one company plan that might not work for you, ICHRA lets you shop the entire ACA marketplace and pick the coverage that matches your specific needs. Whether you need your current doctors, specific medications, or certain types of coverage.

Choose the Plan That Actually Fits Your Life

Instead of being stuck with one company plan that might not work for you, ICHRA lets you shop the entire ACA marketplace and pick the coverage that matches your specific needs. Whether you need your current doctors, specific medications, or certain types of coverage.

Lower or Zero Out-of-Pocket Cost

Your employer contributes a fixed monthly amount (like $400-600) toward your premium. Many employees find plans that cost less than or equal to their employer's contribution, meaning health insurance costs them little to nothing.

Maximum Flexibility

ICHRA works for diverse life situations. Whether you're single, married, have kids, are on a spouse's plan, or have unique coverage needs. You're not forced into a one-size-fits-all solution.
Find my Plan

Team Overview

Leslie Alexander Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam

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Dennis Bouvard

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Leslie Alexander

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Lucie is built to simplify complexity and bring clarity to health benefits, helping people move from uncertainty to confident decisions.
Find Your Plan

Meet our happy clients

All of our 1000+ clients are happy
“I didn’t feel rushed or confused. Lucie helped me compare plans confidently and choose what actually made sense for my family.”
Michael T.

Michael T.

Using Lucie since 2020

“I didn’t feel rushed or confused.”
Michael T.

Michael T.

Using Lucie since 2020

“I didn’t feel rushed or confused. Lucie helped me compare plans confidently and choose what actually made sense for my family.”
Michael T.

Michael T.

Using Lucie since 2020

“Lucie helped us offer better benefits without adding complexity. Our team has more choice, and I finally feel in control of costs.”
Sarah M.

Sarah M.

Using Lucie since 2025

“Lucie helped us offer better benefits without adding complexity. Our team has more choice, and I finally feel in control of costs.”
Sarah M.

Sarah M.

Using Lucie since 2025

“Lucie helped us offer better benefits without adding complexity. Our team has more choice, and I finally feel in control of costs.” Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam
Sarah M. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam

Sarah M. Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam

Using Lucie since 2025 Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam

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These plans cover routine cleanings, eye exams, glasses, and treatmen, helping you maintain your health while keeping costs predictable. Add coverage for as little as $[XX]/month per person and avoid surprise bills for care your medical plan doesn't cover.

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These plans cover routine cleanings, eye exams, glasses, and treatmen, helping you maintain your health while keeping costs predictable. Add coverage for as little as $[XX]/month per person and avoid surprise bills for care your medical plan doesn't cover.

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Unique Selling Point 1

9 out of 10 people qualify for subsidies that reduce monthly costs.

Unique Selling Point 2

All plans cover essential health benefits including doctor visits, prescriptions, and emergencies.

Unique Selling Point 3

Compare plans and enroll online in as little as 15 minutes.


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Health insurance shouldn't take over your life. Let us handle the confusion and complexity while you focus on you.
Affordable preventive careFree routine care to keep you healthy
Free routine care to keep you healthy
Get two dental cleanings and one annual eye exam covered at 100%. No copay, no deductible. These regular checkups catch problems early (like cavities, gum disease, or vision changes) before they become expensive emergencies. Just by using your free preventive visits, your coverage pays for itself.
Get two dental cleanings and one annual eye exam covered at 100%. No copay, no deductible. These regular checkups catch problems early (like cavities, gum disease, or vision changes) before they become expensive emergencies. Just by using your free preventive visits, your coverage pays for itself.
Big savings on treatment & eyewearPay less when you need care
Pay less when you need care
Get two dental cleanings and one annual eye exam covered at 100%. No copay, no deductible. These regular checkups catch problems early (like cavities, gum disease, or vision changes) before they become expensive emergencies. Just by using your free preventive visits, your coverage pays for itself.
Pay less when you need careProtect everyone without breaking the bank
Protect everyone without breaking the bank
Get two dental cleanings and one annual eye exam covered at 100%. No copay, no deductible. These regular checkups catch problems early (like cavities, gum disease, or vision changes) before they become expensive emergencies. Just by using your free preventive visits, your coverage pays for itself.
No surprise billsPredictable costs, no hidden fees
Protect everyone without breaking the bank
Get two dental cleanings and one annual eye exam covered at 100%. No copay, no deductible. These regular checkups catch problems early (like cavities, gum disease, or vision changes) before they become expensive emergencies. Just by using your free preventive visits, your coverage pays for itself.

Free OfferFind your plan under 10,00+ options

Subsidy Calculator

Lucie makes benefits clear, personal, and easy. So you can choose what works best for you with total confidence.
  • Plans that fit your life

  • Help when you need it

  • One place for everything

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Ages help us estimate your options more accurately. Click the + button to add another person.

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FPL Calculator

The calculator is using the 2025 FPL numbers for Medicaid/CHIP eligibility determinations. States will start to use the 2026 FPL numbers for Medicaid/CHIP eligibility in February, March, or April 2026. Check with your state's Medicaid office for more information about eligibility and enrollment.
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Cost Plan Comparison

Affordable Care Act plan costs and subsidy savings vary by metal level. Select your state to see average premiums and subsidy savings for each metal level – and see the percentage of your state’s enrollees who bought plans at each metal level.
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