Featherlight
Light on the monthly bill. For people who mostly need cover in case.
Doctor visits, urgent care, preventive care, hospital and prescriptions included.
Independent health insurance · 43 states
Someone should be watching over your coverage. We do, all year.
A team of licensed agents who compare every carrier available to you, so you get Better Options. Better Decisions. Better Coverage.
–daysUntil Open Enrollment opens November 1
10,000+Individuals and families helped
43States we’re licensed in
58Carrier appointments nationwide
$0What our help costs you
Find your plan
Three questions. One honest starting point.
Every plan covers the same essential benefits. What changes is when you pay: a little more each month, or more when you use care. Tell us how you use it and we’ll point you to the right tier.
Question 1 of 3
Your starting point
Nightwatcher
A starting point, not advice. Your agent confirms your doctors, prescriptions and subsidy before you choose.
Nightwatcher
The balance. Steady monthly cost, fewer surprises when you need care.
Everything in Featherlight, plus additional care services.
Hootwise
The most covered. For ongoing care, regular prescriptions or a planned procedure.
Everything in Nightwatcher, with the top tier of additional care.
Bars show relative position only, drawn from your own plan descriptions. No prices are published; your premium depends on age, ZIP code, household and income.
Our agents
A group of owls is called a parliament. Ours is licensed in 43 states.
Licensed agents who know their states’ options, and who stay your contact after enrollment: renewals, billing questions, ID cards, all of it.
Founder & CEO
Vincent “Vin” Castellano
Vin started Hoot Hoot Health in 2022 on a simple idea: people deserve a straight answer about their coverage, and someone who still picks up the phone after they enroll.
He built the team the same way, with agents who explain before they sell and treat every client like someone they’ll be talking to again next year.
Real, licensed agentsA person who knows your state, not a call center reading a script.
One agent, all yearThe same person for renewals, billing questions and ID cards.
No cost for our helpCarriers pay us. You never pay a fee to use an agent.
Where we’re licensed
The lights are on in 43 states.
Moving states doesn’t mean starting over with someone new. Check yours.
Hover a state to lift it; click it for the license number.Tap a state for its license number.
Licensed
Not yet
Awaiting confirmed list
All state license numbers
Our preferred partners
Three carriers we lead with.
Being independent means we place you with the carrier that fits. So when we recommend one of these three, it’s because it earned it, not because it’s the only one we can sell.
United Healthcare
Preferred partner
Cigna
Preferred partner
Aetna
Preferred partnerWe also compare plans from
See all 58 carrier appointments
Aetna
- Aetna Health and Life Insurance Company
- Aetna Health Insurance Company
- Continental Life Insurance Co. of Brentwood, TN
AmeriHealth Caritas
- AmeriHealth Caritas VIP Next, Inc.
- AmeriHealth Caritas Florida, Inc.
- AmeriHealth Caritas North Carolina, Inc.
Centene / Ambetter
- Ambetter of Magnolia Inc.
- Ambetter of North Carolina Inc.
- Centene Venture Company Florida
- Sunshine State Health Plan, Inc.
- Superior HealthPlan, Inc.
CHRISTUS
- Christus Health Plan
- Christus Health Plan Louisiana
Highmark
- Highmark Western and Northeastern New York Inc.
- Highmark Benefits Group Inc.
- Highmark Inc.
- Highmark Coverage Advantage Inc.
- Highmark West Virginia Inc.
Medica
- Medica Health Plans
- Medica Insurance Company
- Medica Community Health Plan
Molina Healthcare
- Molina Healthcare of Florida, Inc.
- Molina Healthcare of Ohio Inc.
- Molina Healthcare of Utah Inc.
- Molina Healthcare of Wisconsin, Inc.
Oscar
- Oscar Health Maintenance Organization of Florida, Inc.
- Oscar Insurance Company of Florida
UnitedHealthcare
- UnitedHealthcare Insurance Company
- Golden Rule Insurance Company
- UnitedHealthcare of Ohio Inc.
- UnitedHealthcare of Texas, Inc.
- UnitedHealthcare of Wisconsin, Inc.
Other carrier appointments
- American Financial Security Life Insurance Company
- Unified Life Insurance Company
- United States Fire Insurance Company
- North River Insurance Company
- SiriusPoint America Insurance Company
- Celtic Insurance Company
- Guarantee Trust Life Insurance Company
- National Guardian Life Insurance Company
- Standard Life and Casualty Insurance Company
- Everest Reinsurance Company
- Simply Healthcare Plans, Inc.
- Cigna Health and Life Insurance Company
- Federal Life Insurance Company
- National Health Insurance Company
- Meridian Health Plan of Michigan, Inc.
- Anthem Health Plans of NH, Inc. DBA Anthem Blue Cross and Blue Shield
- Buckeye Community Health Plan Inc.
- Antidote Health Plan of Ohio, Inc.
- Community Insurance Company
- Health Care Service Corporation, A Mutual Legal Reserve Company
- GHS Health Maintenance Organization, Inc.
- HMO of Northeastern Pennsylvania, Inc.
- Select Health of South Carolina, Inc.
- Wellpoint Insurance Company
- Compcare Health Services Insurance Corporation
- Blue Cross Blue Shield of Wisconsin
Hoot Hoot Health is an independent agency appointed with the carriers above. Plan availability varies by state and county. Carrier names are trademarks of their respective owners.
Two ways to get covered
Talk it through, or do it yourself.
Same plans, same carriers, same price either way. Start online and get stuck? An agent picks it up from where you left off.
With an agent
Get a quote from a licensed agent
Best if you have a doctor to keep, a prescription to check, or you’re not sure which tier fits.
- We compare carriers and check your subsidy
- We confirm your doctors are in network
- We do the paperwork and stay with you all year
On your own
Enroll online in minutes
Browse plans for your ZIP, see your subsidy, and enroll, with an agent a call away.
You’ll finish on UnitedHealthOne’s secure site, and your Hoot Hoot agent stays on your policy. Want a different carrier or an ACA plan? Ask an agent and we’ll quote it for you.
Start online enrollment →In their words
What clients say on Google.
5.0Google reviews
Google is showing our star rating but hasn’t released the written reviews through its feed yet. They’ll appear here automatically as soon as it does — in the meantime you can read them on Google.
Does it cost me anything to use a broker?
No. Brokers are paid by the carrier, and that is already built into the premium whether you use one or not. Going direct doesn’t make the plan cheaper; it just means you do it without help.
Can I keep my current doctor?
Often, yes, but it depends on the plan’s network, not the carrier. Give us your doctor’s name before you enroll and we’ll check. It takes two minutes and it’s the most common reason people regret a plan.
Which states do you cover?
We’re licensed in 43 states. Use the state checker above, or call and we’ll tell you in seconds.
Can I enroll online without talking to anyone?
Yes. Online enrollment lets you compare plans for your ZIP, see your subsidy and enroll yourself, at the same price as enrolling with an agent.
When is Open Enrollment?
For 2027 coverage in most states, Open Enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage starting January 1. A few states that run their own marketplace use different dates; we’ll tell you yours.
I missed Open Enrollment. Am I stuck?
Not necessarily. A qualifying life event, like losing job coverage, moving, marriage, a new baby or an income change, opens a Special Enrollment Period, usually 60 days. One call tells you whether you qualify.
Do you help with Medicare?
No. We focus on individual and family health coverage, including ACA Marketplace plans, and don’t sell Medicare plans.
Get your quote
Tell us four things. We’ll take it from here.
An agent licensed in your state replies, not an auto-responder. We’ll tell you if you qualify for a subsidy, and we’ll tell you if we can’t beat what you already have.
Or call (888) 816-0626, Mon–Fri, 9am–7pm ET