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Health insurance, explained like a friend would.

One of our trusted, licensed representatives will help you choose the plan that fits your family's needs and your budget. No confusing words, no pressure, and our help is always free.

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  • Helping families since 2012
  • Licensed Marketplace agents
  • Se habla español
Nov 1 – Jan 15What's new for 2027

Getting covered takes 3 simple steps

  1. 1

    Tell us a little about you

    Your ZIP code, who needs coverage, and about how much your household will earn in 2027. It takes about 2 minutes.

  2. 2

    See your real options

    We show you plans in your area and how much financial help you may get. We explain the differences in plain words.

  3. 3

    We help you sign up

    Once you pick a plan, we handle the paperwork with you and stay with you all year if anything changes.

See what you could pay in 2027

Free and private. No one will call you unless you ask us to.

Where you live

We serve Florida, Texas, Arizona and South Carolina.

What's new for 2027, in plain words

The rules changed a lot this year. Here is what matters for you, without the legal language.

The dates

Open Enrollment runs November 1, 2026 to January 15, 2027. Choose a plan by December 15 and you are covered starting January 1. Choose between December 16 and January 15 and coverage starts February 1.

Source: HealthCare.gov ↗

Prices are going up

The extra help Congress added during 2021–2025 ended, and most insurance companies raised their prices for 2027. Your bill may change even if you keep the same plan. A quick review can save you money.

Source: CBPP ↗

Guess your income carefully

If you end up earning more than you told the Marketplace, you may have to pay back all of the extra help at tax time. There is no longer a limit on how much you repay. Tell us if your income changes during the year so we can update it.

Source: Beyond the Basics ↗

Changes for some immigrants

Starting January 1, 2027, financial help is only available to U.S. citizens, green card holders, Cuban and Haitian entrants, and COFA migrants. People with other statuses (like refugees, asylum, TPS or work visas) can still buy a plan, just without the tax credit. Call us and we will go over your options.

Source: Beyond the Basics ↗

Some insurance companies are leaving

Cigna is leaving the Marketplace in Florida, Texas and Arizona, and Baylor Scott & White is leaving in Texas. If you got a letter saying your plan is ending, do not just wait to be moved. Let us help you choose a new plan that keeps your doctors.

Source: Becker's ↗

No more signing up any month

People with lower incomes used to be able to sign up any month of the year. That option is gone. Now you need Open Enrollment or a life change, like losing a job, moving, getting married or having a baby.

Source: CMS ↗

Have your papers ready

The Marketplace is checking income and life changes more closely. Keep recent pay stubs, a tax return, or a letter from your job handy. We will help you upload anything they ask for, so your coverage is not delayed.

Source: CMS ↗

Good news: HSAs

Bronze and catastrophic plans now work with a Health Savings Account (HSA). That means you can put money aside for medical bills tax-free.

Source: Beyond the Basics ↗

Some 2027 rules are still being decided in court. We will keep this page updated. Last checked: October 1, 2026.

Why families choose us

  • Real people, real answers

    You talk to a trusted, licensed representative who knows your case, not a call center. Questions in the middle of the year? Just text us.

  • Our help costs you nothing

    Insurance companies pay us. Your price is exactly the same as if you signed up on your own.

  • We compare every company

    We are independent, so we show you plans from every insurance company in your area, not just one.

  • Bilingual, start to finish

    We explain everything in English or Spanish, whichever you prefer.

Questions people ask us

Does it cost anything to work with you?

No. Our help is free. Insurance companies pay agents, and the price of your plan is the same whether you use us or not.

What is the Marketplace?

It is where people who do not get insurance from a job can buy health insurance and get help paying for it, based on their income. It is also called "Obamacare" or the ACA.

What do I need to apply?

Birth dates for everyone on the plan, Social Security numbers or immigration documents, a best guess of your 2027 household income, and information about any insurance you have now.

Can I keep my doctor?

Many times, yes. Tell us your doctors and medicines and we will look for plans that include them before you choose.

I missed Open Enrollment. Can I still get covered?

Maybe. If you recently lost coverage, moved, got married, or had a baby, you usually have 60 days to sign up. Call us and we will check.

Which states do you help with?

Florida, Texas, Arizona and South Carolina.

My insurance company sent a letter saying my plan is ending. What do I do?

Do not panic and do not just wait. Contact us before December 15 and we will help you choose a new plan that starts January 1.

Questions? We are here to help.

Call, text, or send a WhatsApp message. We usually reply the same day.

Call us