Finally.Health benefits built for today’s workers.

Smirk benefits are insurance, fully underwritten and issued by Chubb (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 is built for people without employer insurance coverage, and it can also sit alongside your medical insurance plan. Because of that, it is a different category of coverage: supplemental fixed indemnity insurance, not comprehensive major medical coverage.

Chubb underwrites them. Smirk designs how you build them and how you use them.

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.

You only pay for the benefits you keep, each one pays a fixed amount with no markup baked into the premium, and an AI-run service costs less to operate. For context, marketplace out-of-pocket premiums rose 58% once the tax credits expired, with a further 14% median increase proposed for 2027. The saving here is structural, not a promotion. Source: Kaiser Family Foundation analysis of ACA Marketplace rate filings.

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.

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

Medical and telehealth come with Smirk. On top of that you choose from dental, vision, prescriptions, accident, critical illness, mental health, therapy and preventive screening. Take one, take all of them, and set the level of each.

Any time. Add, drop or turn a benefit up or down whenever your work changes. Ailene™ shows you what changes with it, and the new price, before anything is committed.

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, move states: nothing lapses.

No. There is nothing to clear first. Your benefits pay a set amount from dollar one for each kind of care, at any provider.

Everyone in your household who wants benefits gets their own set, sized to what they actually need.

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 and no referral, so any provider you choose works, and there is nobody to check with first.

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.

You always know the numbers before care. Each benefit pays a fixed amount, and Ailene™ shows you exactly what a visit pays and what is left to you before you book. It is often a small, known figure: a $180 visit might leave you $30. Compare that with a traditional plan carrying, say, a $9,000 deductible, where you pay full price for care until you have spent that $9,000 first. Smirk pays from your very first visit. For a big event, your plan can include hospital cover and guaranteed-issue critical illness coverage up to $100,000, paid directly to you. Anything above a benefit's amount is yours, and you will have seen that number in advance.