As an independent broker, we compare ACA marketplace, private, and self-employed health insurance plans from A-rated carriers — so you get a free quote that actually fits your budget and doctors.
By calling the number above, you will be connected to a licensed insurance agent.
Marketplace plans from the Affordable Care Act offer subsidized premiums, guaranteed coverage of pre-existing conditions, and 10 essential health benefits. Most Americans qualify for some level of premium tax credit.
Private (non-marketplace) plans offer broader provider networks and year-round enrollment. Best for higher-income earners who don't qualify for ACA subsidies, or those needing specialized coverage.
Self-employed health insurance premiums may be 100% tax-deductible. We help freelancers, contractors, and small business owners find plans that match their income variability and coverage needs.
Compare your three main options at a glance.
| Plan Type | Best For | Pros | Cons | Typical Cost |
|---|---|---|---|---|
| ACA Marketplace | Most individuals & families | Premium subsidies, pre-existing conditions covered, essential benefits required | Network restrictions, only enroll during Open Enrollment (or with SEP) | $0–$600+/mo after subsidy |
| Private Health Insurance | Higher-income earners, business owners | More plan flexibility, can enroll year-round, broader networks available | No subsidies, full premium responsibility | $300–$1,200+/mo |
| Short-Term Plans | Gap coverage between jobs | Affordable, fast approval, flexible terms | Limited benefits, may exclude pre-existing conditions | $50–$250/mo |
Average premiums range from $300–$600/month for individuals and $900–$1,800/month for families before subsidies. After ACA premium tax credits, many people pay $0–$200/month. Your actual cost depends on age, location, household size, and income.
Yes. Self-employed individuals can buy ACA marketplace plans, private plans, or join a health share. ACA premiums may be tax-deductible, and you may qualify for subsidies based on your net business income.
You may qualify for a Special Enrollment Period if you've had a qualifying life event (loss of job-based coverage, marriage, birth/adoption, moving). We can verify your eligibility in minutes.
No. As an independent broker, we're paid by the insurance carriers — not by you. Our service is 100% free and you pay the same premium whether you enroll through us or directly.
Under the ACA, all marketplace and most private plans must cover pre-existing conditions and cannot charge you more because of them. Short-term plans are an exception.
Tell us a little about your household and we'll compare ACA, private, and self-employed plans from top-rated carriers — completely free.
By calling the number above, you will be connected to a licensed insurance agent.