Obamacare & Private Health Plans — See Your Options in Minutes
Whether you qualify for an Obamacare (ACA) plan or want private coverage you can start any time of year, a licensed agent will compare your options for free and help you get covered.
Takes less than 2 minutes • No obligation
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Licensed agents • ACA & private plans compared • Coverage in all 50 states • Free, no-obligation help
How It Works
Tell us about you — ZIP, age, and your situation. Takes about 2 minutes.
A licensed agent reviews what you qualify for — Obamacare/marketplace savings if you're eligible, plus private plans you can start right away.
Choose and get covered — pick the option that fits, with coverage available year-round.
Obamacare in 2026 — What Changed
Many people are seeing higher marketplace premiums in 2026 after the enhanced premium tax credits expired at the end of 2025. If your Obamacare plan got more expensive — or you didn't qualify for savings — you're not stuck. A licensed agent can check whether you still qualify for marketplace help and show you private plans you can enroll in any time of year, so you can compare real costs side by side.
This page is for comparing your coverage options. We are not Healthcare.gov and not a government agency — see the notice below.
Do I Qualify for Obamacare?
Eligibility and any savings depend mainly on your income, household size, and location. The fastest way to find out is to answer a few quick questions and let a licensed agent check for you — at no cost. If you qualify for marketplace savings, they'll show you; if a private plan is the better fit, they'll show you that too.
Obamacare vs. Private at a Glance
A licensed agent will walk you through both and help you pick what's best for your situation.
Frequently Asked Questions
Common questions
Did Obamacare go away in 2026?
No. The ACA marketplace still exists. What changed is that the enhanced premium subsidies expired on December 31, 2025, so many people's marketplace premiums went up substantially in 2026. That's why more shoppers now compare private year-round plans alongside ACA options.
Should I choose an ACA plan or a private plan?
It depends mainly on subsidy eligibility and health. If your income qualifies you for meaningful ACA savings or you need guaranteed-issue coverage for pre-existing conditions, ACA may fit best — but you generally must wait for Open Enrollment (Nov 1 – Jan 15 in most states) or a qualifying life event. If you don't qualify for big subsidies and are reasonably healthy, private year-round plans are often less expensive and can start now. A licensed agent compares both for you, free.
See what you qualify for — free
Prefer to talk now? Call (844) 548-4516 — free, no obligation.