Compare Marketplace plans, check your subsidy eligibility, and enroll with a licensed local advisor — at no extra cost to you.
Get Free Quote Learn MoreThe ACA (Obamacare) created the Health Insurance Marketplace — a place where you can shop for and enroll in health coverage. Most people qualify for subsidies that dramatically lower their monthly premium.
Based on your income, you may qualify for premium tax credits that reduce your monthly cost — sometimes to $0/month.
You cannot be denied coverage or charged more due to pre-existing conditions. Everyone pays the same rate for the same plan.
All ACA plans must cover 10 essential benefits including emergency care, maternity, mental health, and prescription drugs.
ACA plans are available to most Americans under 65 who don't have affordable employer coverage. Here's who typically qualifies:
No employer plan? You qualify for Marketplace coverage and likely for significant subsidies based on your income.
Lost your job or your employer stopped offering coverage? A Special Enrollment Period may let you enroll outside Open Enrollment.
Employer doesn't offer insurance or it's not "affordable"? You may qualify for better coverage at a lower cost on the Marketplace.
Retired before Medicare kicks in at 65? ACA plans bridge that gap — and income-based subsidies can make them very affordable.
ACA plans are divided into four "metal" tiers. The right choice depends on how often you use healthcare and your budget.
Lowest monthly cost. You pay more when you need care. Good if you want coverage for emergencies only.
Best balance of cost and coverage. Required tier to receive Cost-Sharing Reductions if you qualify.
Higher monthly cost but lower deductibles and copays. Worth it if you see doctors frequently.
You can enroll directly on HealthCare.gov — but most people leave thousands in subsidies on the table. A licensed advisor is free to you and gets you more.
We're paid by the insurance carriers. Your premium is the same whether you use us or enroll alone — but you get expert guidance at no cost.
We analyze your income and household size to make sure you're getting every dollar of tax credit you're entitled to.
We're in Southwest Florida, just like you. We answer the phone. We know the local carriers and plans. We're here year-round.
📍 Serving: Fort Myers · Cape Coral · Naples · Bonita Springs · Estero · Lehigh Acres · Marco Island · Port Charlotte and all of Southwest Florida
In 15 minutes we'll tell you exactly what plans are available, what subsidies you qualify for, and what your actual monthly cost will be. No obligation. No pressure.
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