Tell us a little about your situation. Amanda or Erik reviews every lane you qualify for, subsidy included, and calls you once with real numbers. Your information stays with us. It is never sold.
The health insurance internet runs on lead resale. A comparison site collects your name and phone number, sells it to a dozen agencies, and every one of them dials you. We are a licensed brokerage, not a lead generator, and we built this page to work the opposite way.
The person who calls you is the person who quotes you and enrolls you. Amanda or Erik Moran, licensed in your state, with their own name and phone number on the paperwork.
Your form lands in our own system and nowhere else. We do not sell leads, trade them, or pass them to other agencies or call centers. One call and one text, then the next move is yours.
If a premium tax credit makes the Marketplace your cheapest option, we say so and help you enroll at no cost. We only recommend a private plan when the math and your health actually favor it.
Here is the whole process, so you know exactly what you are signing up for before you type your phone number.
Within one business day, Amanda or Erik looks at your household, your current coverage, your subsidy situation, and your ZIP, and pulls the lanes that fit.
It comes from the number below. Save it so you know it is us. If a private plan looks like a fit, we ask the health questions on the call, not on a web form.
863-270-9820Marketplace with any credit applied, underwritten if you qualify, short-term if you need a bridge. Actual monthly premiums, deductibles, and networks, not ranges.
Enroll with us, enroll on your own, or do nothing. There is no follow-up campaign and no re-selling of your information. If you want us later, you know where we are.
Most agents sell one of these and call it the answer. All four exist for a reason, and the right one depends on your income, your health, and your timing. Here is who each lane fits and who it does not.
Guaranteed issue, no health questions, and every plan covers the ten essential health benefits. If your household income is under roughly four times the federal poverty level, the tax credit can bring the premium down substantially, and this lane usually wins.
You get the same guaranteed-issue protection and the same essential benefits, and you pay the entire premium yourself. For a healthy family above the income line, this is often the most expensive lane on the board, which is why so many people feel they are paying a lot for coverage they rarely use.
The carrier asks health questions and prices you on your answers. Healthy applicants often pay less for the protection they actually use, and many of these plans run on national PPO networks. The trade-off is real: the carrier can decline you, charge more, or exclude a condition, and these plans are not ACA-compliant, so you need to know what is and is not covered before you sign.
Useful when you are between jobs, waiting on a start date, or outside open enrollment without a qualifying event. Benefits are limited, pre-existing conditions are usually excluded, and how long you can keep one depends on your state's rules, which change. We quote it when it solves a timing problem, not as a long-term plan.
In Florida? Our home state has its own page with the 2027 credit cliff, every lane priced by county, and the 2027 carrier lineup: Florida self-employed health insurance guide. Renewing for 2027? Open enrollment runs November 1 to January 15, and December 15 is the deadline for January 1 coverage: Florida open enrollment 2027 dates and plan.
Marketplace open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for a January 1 start. Outside that window, a qualifying life event opens a 60-day special enrollment period. Medically underwritten and short-term plans can be applied for any day of the year.
Not sure whether your situation counts? Ask on the call, or phone 863-270-9820 and we will confirm in a few minutes.
No. Your form goes into our own system and nowhere else. We are a licensed brokerage, not a lead generator. We do not sell, trade, or share your information with other agencies, call centers, or marketers. The only people who will contact you are Amanda or Erik Moran.
One call and, if you opted in, one text from 863-270-9820, within one business day. If we miss you, we leave a message and try once more. There is no dialer, no transfer to a sales floor, and no follow-up campaign. After the call, the next move is yours.
No. The form asks who needs coverage, your current situation, whether you received a premium tax credit this year, and how to reach you. If a medically underwritten plan looks like a fit, we ask the health questions on the call. Health details never go through a web form.
Since the enhanced premium tax credits expired at the end of 2025, households above roughly four times the federal poverty level pay full price on the Marketplace. Healthy applicants in that position often pay less on a medically underwritten private plan, which prices on health rather than guaranteed issue. The trade-off is that underwritten plans can decline, rate up, or exclude conditions, so they only make sense when your health actually qualifies. We run both sets of numbers and tell you which lane wins.
Generally yes. The self-employed health insurance deduction lets sole proprietors, partners, and more-than-2% S corporation shareholders deduct premiums for themselves, a spouse, and dependents, as long as they are not eligible for an employer plan. It applies to Marketplace, off-exchange, and many private plans. Confirm the details with your tax professional.
Marketplace open enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027, and you must enroll by December 15, 2026 for a January 1 start. Outside that window you need a qualifying life event, which opens a 60-day special enrollment period. Medically underwritten private plans and short-term plans can be applied for year-round.
Nothing. There is no broker fee. If you enroll in a plan, the carrier pays us. If you do not, you owe us nothing and you will not hear from us again unless you reach out.
It depends on the plan's network, not on us. Many Marketplace plans are HMOs with local networks, while many underwritten plans use a national PPO network. Tell us the doctors and hospitals that matter to you and we check them against each option before we quote it.
We are licensed in 30 or more states. See the full list on our states we serve page. If your state is not on it, we will say so on the call rather than quote something we cannot write.
Three taps and a ZIP code. One licensed broker calls you once with real numbers. Your information is never sold.
Start the 60-second form → Or call 863-270-9820, Monday to Friday, 9am to 5pm ET