Finally,benefits on your side.

Limited Benefits Plans are insurance, underwritten by Federal Insurance Company and ACE American Insurance Company. Not a discount card or a membership. It works differently from traditional major medical. Rather than an open-ended share of every bill, each benefit pays a set amount toward a kind of care, so you know your number up front. It can sit alongside your medical insurance plan. It is a different category of coverage: a supplemental fixed indemnity insurance, not comprehensive major medical coverage. Smirk also includes other non-insurance benefits like telehealth and Ailene™ your AI Health Concierge.

At any provider you choose. Smirk itself is rolling out state by state, so check your ZIP at signup and Ailene™ will tell you instantly whether you can enroll where you live.

Yes. Your data stays with you and never changes your price. Smirk plans are guaranteed issue, so there is no medical exam and no health questionnaire to hand over.

Yes! Smirk includes Limited Benefits Plans, telehealth and Ailene™ your AI Health Concierge. Limited Benefits Plans pay a set dollar amount for specific services, like a doctor visit or a hospital stay, rather than a percentage of the bill. You choose the benefits you want and pay only for those. Smirk may also cost less than a marketplace plan. The average amount people paid for marketplace coverage after tax credits rose 58% in 2026, after the enhanced tax credits expired and insurers have proposed a median premium increase of 15% for 2027. Sources: KFF analyses of 2026 marketplace enrollment and 2027 rate filings. Smirk is not a marketplace plan and does not replace comprehensive health insurance. Benefits are paid in fixed amounts and may not cover the full cost of care.

No. Smirk is guaranteed issue, so you can enroll regardless of your health status. There is no medical exam and no health questionnaire, and nothing about your health changes your price. Benefits are paid subject to the terms of the policy, and some carry a short waiting period. Ailene™ tells you which ones apply to you before you buy.

That is one for your accountant. Tax treatment depends on how you work and how you file, and we do not give tax advice. Bring your Smirk details to the conversation.

Building your benefits, explaining what they pay, finding care, booking it, reading a bill, and getting more out of what you already chose. Real human support sits behind her.

She asks. A few plain questions about how you use healthcare and what you want to spend, then she builds around your answers and shows the price as it moves.

What you tell her, and the benefits you have chosen. Nothing about your health is required to enroll in the first place.

An unlimited telehealth plan is provided by Smirk, plus all limited benefit plans come with office visits and lab services. On top of that you choose from hospital and surgery benefits, dental, vision, prescriptions, accident, critical illness, mental health, therapy and preventive screening. Take one, take all of them, and set the level of each. Telehealth is a non-insurance service provided by Smirk and is not underwritten by Federal Insurance Company.

Join any day of the year, even if you missed open enrollment. Most benefits are usable right away, and Ailene™ tells you which ones carry a waiting period before you buy.

Yes. They are yours, not your employer’s. No COBRA cliff when a job ends, no gap between contracts, and no coverage year to wait out. Change jobs, go freelance: nothing lapses.

No. Since this is not a major medical plan, there is no upfront deductible to clear first. Your supplemental health benefits pay a set amount from Day 1 for each kind of care, at any provider. If you add the optional Accident Medical Expense plan, it comes with its own deductible of $100 or $250 per accident, depending on your plan. Everything else in your plan pays from Day 1, with no deductible.

Yes, spouse and dependents who want benefits can get their own set.

Ask Ailene™. She looks at who is rated well near you, checks what they charge against what your benefits pay, and books it. You see both numbers before she confirms anything.

Yes. There is no network, so any licensed provider you choose works.

Your benefits pay a set amount for each kind of care. Ailene™ shows you that number next to what the provider charges, before you book, never after.

The prescriptions benefit pays a set amount per refill, generic or brand depending on the level you chose. Fill it at any counter, and Ailene™ shows you the price before you collect.