Compare Health Insurance

Health Insurance Plans, Compared for You

A licensed agent compares ACA marketplace and private health plans side by side, checks whether you qualify for 2026 savings, and helps you enroll — all free, with no obligation.

Free quote · No obligation · Takes ~60 seconds

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Where are you located?

Plans and subsidies vary by ZIP code.

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Finding affordable health coverage in 2026

Health insurance changed for 2026. The enhanced premium tax credits that lowered ACA premiums through 2025 expired at the end of that year, so many middle-income households now pay the full, unsubsidized price on the exchange. That makes it more important than ever to compare every option, not just what shows up on the government marketplace.

Affordable Insurance Plans is an independent, licensed insurance broker for people under 65. A licensed agent compares ACA marketplace plans and private, off-exchange plans together, checks your subsidy eligibility, and recommends the coverage that actually fits your budget and health needs. We are not the government marketplace and not a single insurance company — our job is to work for you.

Types of health insurance we compare

One agent, every option — so you see the full picture in one place.

ACA Marketplace Plans

On-exchange plans that cover pre-existing conditions and essential health benefits. Some households qualify for premium tax credits.

Private (Off-Exchange) Plans

Major medical plans quoted directly by a licensed agent — often the better value if you no longer qualify for a subsidy in 2026.

Short-Term Medical

Temporary, bridge coverage where state rules allow it. Not ACA-compliant, so an agent explains the trade-offs first.

Dental & Vision

Stand-alone or add-on plans for routine dental and vision care that many medical plans do not include.

Fixed Indemnity & Supplemental

Cash-benefit plans that help with out-of-pocket costs alongside a major medical plan.

Family & Individual

Coverage for just you, a couple, or a whole household — subsidy eligibility scales with household size.

Health insurance by state

Plans, marketplaces, and rules vary by state. Choose yours for local details.

Licensed in all 50 states; plans shown for the states we currently serve.

Health Insurance FAQ

It depends on your age, location, household size, income, and the type of plan. After the 2026 subsidy changes, some people still qualify for tax credits that lower their premium, while others do better on a private plan. A licensed agent compares your real options for free — there is no cost to get a quote.

The enhanced premium tax credits that lowered ACA premiums through 2025 expired at the end of that year. For 2026, many middle-income households now pay the full, unsubsidized price on the exchange, which makes comparing private and off-exchange options more important than ever.

Both. We are an independent, licensed broker, so a licensed agent compares ACA marketplace plans and private off-exchange plans side by side and recommends what actually fits your budget and health needs. We are not the government marketplace and not a single carrier.

Yes. Agents are paid by the insurance carriers when you enroll, so your premium is the same whether you use a broker or sign up on your own. You never pay us anything.

During Open Enrollment or a Special Enrollment Period you can enroll in an ACA plan right away. Private and, where available, short-term plans can often start sooner. Most clients hear back from an agent within 15–30 minutes during business hours.