The phone broker model exists largely because the plan comparison UI is genuinely unusable for most people, so there is a real problem here worth solving. Curious how you handle the subsidy estimation step. That calculation has a lot of edge cases around household composition, income fluctuations, and APTC reconciliation at tax time. Does Nora surface any caveats around that or does it give a single number? Also interested in how you handle network accuracy. Provider directories are notoriously stale and that is usually where people get burned after picking a plan based on whether their doctor is in-network.

How difficult was it to get HIPAA compliant in order to ask for health info from consumers?

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