Find the HMO that fits.
Answer 33 questions. See which plans match what actually matters to you.
No guesswork. No random ranking. No AI deciding for you. Your answers drive the match, and the same calculation runs every time.
Six of those sixteen HMOs publish enough data to compare properly. Ten do not — and where data is missing, we show you rather than filling the gap.
How the match works
86 plans from 16 HMOs. Six HMOs have enough public data to compare properly. Ten don't, and we'll show you which.
Every price links to its source and the date we checked. The ranking algorithm is fully deterministic — no machine learning, no randomness. Same input always produces identical output.
Health Insurance Intelligence | HMO Research | Data & AI
This tool was built by someone who works in corporate partnerships at Clearline HMO. Clearline appears in our recommendations when it ranks highly, just like every other HMO.
We use the same evaluation framework for every HMO. Clearline receives no special scoring advantage. The ranking is purely based on how well each plan matches your stated priorities.
Want to use HMO intelligence tools at your organization? Explore WellnessOS — a complete wellness and benefits administration system for Nigerian companies.
14 plans snapshot-verified with dated screenshots. 52 from official HMO websites.
We weight what matters to YOU, not what HMOs want to sell.
You'll see what we couldn't check — maternity, drugs, dental — not hidden.
Here's what matters to you
We used your answers to understand your priorities for health insurance.
We'll prioritize based on what you told us. For example:
- 🏥 Hospital access: We'll check provider tiers and network size
- 💉 Surgery: We'll look at limits and what's actually covered
- 👶 Maternity: We'll check limits and waiting periods
- 💰 Price: We'll show you what's within and near your budget
⚠️ Location: We can't yet confirm which hospitals in your area accept each plan. You'll need to verify that before you commit.
✓ Data: We show you what's published. Where data is missing, the plan gets a lower confidence score or appears in "Couldn't compare."
Analyzing your priorities...
Compare Plans
Choose up to 3 plans to see what actually changes between them.
Check Your Coverage Gap
Test what the plan actually publishes for a benefit you care about.
Azuka Orumgbe
Health Insurance Intelligence | HMO Research | Data & AI
Why I Built This
Choosing health insurance in Nigeria should not feel like guessing. Most people buy an HMO plan without understanding what it actually covers, what the limits are, what hospitals they can use, or what waiting periods apply. They discover gaps when they need the insurance most.
HMO Blueprint is a deterministic comparison of 86 Nigerian health insurance plans based on public data. No AI bias. No random rankings. Every decision is auditable.
You answer smart, adaptive questions about your needs (typically 22–33 depending on your situation), and the engine shows you which plans match best, including what you couldn't check and what you need to verify before you pay.
What I Believe
- Healthcare should be understandable.
- "Covered" is not enough.
- Limits matter. Provider access matters. Exclusions matter.
- Nigerians should know what to verify before they pay.
- Evidence should beat marketing.
- Technology should make healthcare easier to navigate.
What I've Built
HMO Blueprint Nigeria
A health-insurance intelligence platform designed to help people understand plans, premiums, benefit limits, provider access, exclusions and trade-offs before they commit.
WellnessOS
A workplace wellness operating system designed to help organizations understand workforce health risks and turn employee wellness into measurable action.
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Learn before you buy. Understand what to check before committing to an HMO plan.
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