Affordable Health Insurance Built Around Your Budget
Compare private health plans you can start any time of year — priced for you, not for a group. Free, no-obligation help from licensed agents. Takes about 2 minutes.
No obligation • Takes about 2 minutes
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Licensed agents • Helped thousands of families find coverage • Plans in all 50 states • Free, no-obligation help
Why so many people are re-shopping their coverage in 2026
If your health insurance suddenly feels unaffordable, you're not imagining it. The enhanced ACA premium tax credits expired on December 31, 2025, and the average out-of-pocket premium for subsidized marketplace enrollees roughly doubled — up about 114% — for 2026. Millions of households are now comparing private alternatives for the first time.
Private year-round plans are priced individually — by your age, your state, and the coverage level you actually need. For many people in good health, that works out to meaningfully less than an unsubsidized marketplace plan. And there's no enrollment window: you can apply this week.
How it works
Tell us the basics
ZIP, age, household. About 2 minutes, no obligation.
A licensed agent compares plans for you
Private year-round options, and ACA marketplace plans if you clearly qualify for savings there. You see real prices, not teaser rates.
Pick your plan and get covered
Many private plans can start within days of approval.
Coverage that fits how you work
Affordable looks different for different households. Our licensed agents work every day with individuals and families, self-employed professionals and 1099 contractors, travel nurses, truckers and owner-operators, and small-business owners — people whose coverage doesn't come neatly from an employer. Whatever your situation, the job is the same: real coverage that fits your actual budget, with help reviewing life insurance alongside it if you need that too.
Frequently asked questions
How much does affordable health insurance cost per month?
It depends on your age, state, and plan level. Private year-round plans are priced individually, which is why healthy applicants often pay substantially less than the 2026 unsubsidized marketplace average. The only way to know your number is a real quote — which is free and takes about 2 minutes.
Can I really get health insurance any time of year?
Yes. Private health plans aren't tied to the ACA Open Enrollment calendar. You can apply in any month, and coverage can typically start within days of an approved application.
Is this cheaper than Obamacare?
Often, for people who don't qualify for large ACA subsidies — especially since the enhanced subsidies expired at the end of 2025. If you do qualify for meaningful marketplace savings, our licensed agents will tell you that and help you use them. The comparison is free either way.
What's the catch with free help from an agent?
There isn't one. Comparing plans and talking with a licensed agent costs nothing, and there's no obligation. If you enroll, you pay the insurance company's premium — no added fee for our help.
See what affordable actually looks like for you.
Prefer to talk now? Call (844) 548-4516 to speak with a licensed agent.