Health insurance before 65, explained by a licensed agent.
Compare real Marketplace prices in about 30 seconds. No phone calls, no lead forms, no spam.
- FL License W976782
- MI License 0085834
- NPN 994557
- Enrolls through a CMS-approved Enhanced Direct Enrollment partner
- HTTPS — nothing stored, ever
Start with what just happened
Going freelance
Leaving W-2 coverage behind? How to estimate irregular income, claim the subsidy, and pick a plan that keeps your doctors.
Turning 26
Aging off a parent's plan is a qualifying life event with its own enrollment window. Here's how to use it — and what a first plan really costs.
Lost job coverage
COBRA vs. Marketplace, the 60-day clock, and how to avoid a coverage gap while everything else is up in the air.
The 2026–27 reality, in three numbers
+26%
Average gross premium increase for 2026 — the largest jump since 2018.
Source: KFF
+114%
Average increase in what subsidized enrollees pay after the enhanced tax credits expired January 1, 2026.
Source: KFF
Dec 15
Open enrollment for 2027 ends December 15, 2026 — a full month earlier than consumers are used to.
Source: HealthCare.gov
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Fair questions
- Is this the government Marketplace?
- No. This is an educational site run by a licensed insurance producer. Enrollment happens through HealthSherpa, a CMS-approved Enhanced Direct Enrollment partner, with the same plans and prices as HealthCare.gov.
- Does using this site cost extra?
- No. Plans cost the same everywhere by law. If you enroll through our link, a licensed producer becomes your agent of record at no added cost — carriers pay the producer, you don't.
- Will I get phone calls?
- No. There are no lead forms here — just one ZIP code field that takes you straight to plans. We never collect your phone number.
- When can I enroll for 2027?
- Open enrollment runs November 1 to December 15, 2026 in HealthCare.gov states. Outside that window, you need a qualifying life event like losing coverage, moving, or turning 26.
Who’s behind this
Every guide on this site is written by our team and reviewed by a licensed health insurance producer (NPN 994557) — licensed in 24 states, including Michigan and Florida — before it publishes. In a market this confusing, “a licensed human checked this” is the whole point.