Priced out of the Marketplace?

For 2027 coverage, if your household earns more than 400% of the federal poverty level (about $63,840 for a single person or $132,000 for a family of four), you don't qualify for ACA premium tax credits. The extra subsidies ended after 2025, and benchmark Marketplace premiums are up about 42% on average nationally from 2025 to 2027 (KFF), so many healthy families under 65 are paying full price.

There may be a better fit

If you are under 65 and in good health, a privately underwritten plan can cost much less than a full-price Marketplace plan. We compare the options for you, ACA and private, side by side, with no obligation.

Who this is for

Self-employed people, business owners and early retirees under 65. Families who earn too much for subsidies. Healthy people who rarely use their insurance.

Where we help

Florida, Alabama, Arizona, Georgia, Indiana, Iowa, Louisiana, Missouri, Nebraska, South Carolina, Tennessee and West Virginia.

Talk to Eddie

Call or text (352) 807-7251 or book a free call with Eddie

Important: Some plans we may discuss, such as short-term medical coverage, are not ACA-compliant health insurance. They are medically underwritten, may exclude pre-existing conditions, and do not include all ACA-required benefits. We review what each plan does and does not cover before you enroll.