Open enrollment runs Nov 1 – Jan 15. Enroll by Dec 15 for coverage starting Jan 1.
Book your free plan reviewWe help you make the best use of every dollar you spend protecting your family's health, and stay in control of your healthcare costs.
Free for individuals and families. See how we're paid →
Or schedule a free conversation — 30 minutes, no obligation.
For Individuals and Families
We review health, dental and vision coverage, prescriptions, health savings and emergency planning. Then we help all year.
~$4,100 average potential savings per household*
See how we help individuals and families →For employers
Help departing employees find better coverage than COBRA. Add one Trudy link to your transition packet. It's free for you and for them.
A free resource for departing employees
See how it works for employers →Expensive
$27,000 a year
The average yearly premium for family health coverage through an employer in 2025, and it keeps rising. Marketplace insurers want about 15% more for 2027.
Confusing
14%
Only 14% of adults could answer four basic questions about deductibles, copays and out-of-pocket limits.
One review covers every protection decision you make on your own.
The right marketplace plan for your doctors, prescriptions and budget, compared on total yearly cost.
Check your drugs are covered and find the lowest price, in or outside your plan.
Decide whether dental coverage pays off for your family, or whether a discount plan or paying cash is smarter.
The same question for eye care: coverage, a discount plan or pay as you go.
Open and use a health savings account so you pay medical bills with pre-tax dollars.
See your worst-case year in dollars and build a savings plan so a hospital bill doesn't become debt.
We look at everything, but we only recommend what you need. Sometimes the best answer is to buy less.
Illustrative example
| Cost | Before | After | Change |
|---|---|---|---|
| Insurance premiums | $11,004 | $6,204 | −$4,800 |
| Prescriptions | $1,380 | $720 | −$660 |
| Doctor visits (out of pocket) | $200 | $800 | +$600 |
| Emergency protection | $0 | $600 | +$600 |
| Tax savings (premium deduction + HSA) | $0 | −$2,875 | −$2,875 |
| Net yearly cost | $12,584 | $5,449 | −$7,135 |
Who we help: people buying on the marketplace · leaving a job and weighing COBRA · self-employed and gig workers · retiring before 65.
1
A free 30-minute conversation about your situation.
2
We compare your options and show the savings side by side.
3
We help you enroll in the coverage that fits.
4
We review and help you negotiate bills (two included each year, for $40 per bill following), help when a claim goes wrong, and send tips to help you plan ahead.
We know the local plans, networks, doctors and hospitals, so your coverage works where you actually get care.
We start with your doctors, prescriptions, health needs and budget, and recommend only what you need, even if it pays us less.
Bill review and negotiation, help when a claim goes wrong, and practical tips to help you save.
Our promises
Which insurers we work with and what they pay us, before you choose.
We review health insurance, prescriptions, dental, vision, health savings and emergency planning, then explain what is and isn't worth it for you.
Replies within one business day, help until problems are resolved, and a yearly review.
When you enroll through us, the insurance company pays us a commission. It doesn't change your premium, and we tell you what each insurer pays us before you choose.
Additional bill reviews: $40 per bill.
Schedule a free conversationOur COBRA transition referral is free for employers and departing employees. Add one link to your transition packet.
See how it works for employers →
Meet the founder
Will Wright co-founded Pack Health, which was acquired by Quest Diagnostics. He led innovation at Protective Life and advised healthcare and insurance companies at McKinsey. He started Trudy Health to help families make the best use of every dollar they spend protecting their health.
Schedule a free conversationOur advisors
Advisor
Healthcare expert, former Chief Strategy Officer and Hospital Executive, University of Alabama Health System.
LinkedIn
Clinical Advisor
Surgeon and retired medical director of Blue Cross and Blue Shield of Alabama.
LinkedIn
Technology Advisor
Insurance technology leader.
LinkedIn
Marketing Advisor
Health and wellness marketing expert.
LinkedInTell us about your coverage or your team. We'll show you your options in plain English.
Schedule a free conversation*Savings are estimates from individual reviews; results depend on location, eligibility, available plans and health needs, and are not guaranteed.
