Answer a few quick questions and we'll match you with the most affordable plan for your situation, whether you qualify for a government subsidy or not.
Select the path that matches your situation. Not sure where to start? Read our coverage guide or call 863-270-9820 and we'll help you decide.
Medically underwritten plans with lower premiums for healthy individuals and families.
Government-regulated plans with guaranteed coverage. Full price is steep, but if your household income qualifies for premium tax credits, the monthly cost can drop significantly.
Two paths, same broker, same $0 fee. Here's how they stack up.
| Affordable Plans | ACA Marketplace | |
|---|---|---|
| Monthly cost (healthy adult) | 30–60% lessvs ACA full price | $500–$900+Without subsidy |
| With large government subsidy | ✕ Not available | ✓ As low as $0–$150/mo |
| Pre-existing conditions | Case by case | ✓ Always covered |
| Medical questions | 9 yes/no questions | ✓ None required |
| Network | Varies by plan | Varies by plan |
| Start coverage | ✓ As fast as 7 days | Open enrollment* |
| Best for | Healthy people who want low premiums | People with subsidies or pre-existing conditions |
Basic info, takes 30 seconds.
ACA plans typically cost $500–$900+ per month for individuals and $1,200–$2,500+ for families without a subsidy. But if your household income qualifies for premium tax credits, the government covers a portion, potentially bringing your cost as low as $0–$150/mo.
We'll guide you through enrollment on HealthSherpa to find out exactly what you qualify for.
Keep in mind: ACA Open Enrollment runs Nov 1 – Jan 15. Outside that window, you can only enroll if you've had a Qualifying Life Event. And without a subsidy, ACA plans are significantly more expensive than medically underwritten plans, so it's worth knowing what you'd qualify for before deciding.
If you're outside Open Enrollment, you can still enroll if you've recently had one of these:
Most QLEs give you a 60-day Special Enrollment Period to enroll. Not sure if your situation qualifies? Call 863-270-9820 and we'll confirm in 5 minutes.
Subsidies are based on household income and family size. These ranges typically see strong tax credits, often $0 – $200/mo for the benchmark plan:
Higher incomes can still qualify for some subsidy, under current rules, your premium is capped at 8.5% of household income. Exact amount depends on your age, ZIP, and plan choice.
Prefer to talk to a broker first? Call 863-270-9820