Affordable
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Simple 3-Step Process

Getting Covered in 3 Simple Steps

From quote to coverage, our licensed agents handle the hard part. Here is exactly what happens after you start, with no cost and no obligation at any step.

Free quote · No obligation · Takes ~60 seconds

Step 1 of 4

Where are you located?

Plans and subsidies vary by ZIP code.

Licensed AgentsNo ObligationSSL Secure

Step 1 — Tell us your needs

Complete our quick 60-second form with your ZIP code, household size, and a few basics. There is no Social Security Number and no credit check required to get your quote, just enough for a licensed agent to find plans that fit.

Step 2 — We compare your options

A state-licensed agent reviews hundreds of ACA-compliant plans available in your area, checks whether you qualify for subsidies, and narrows it down to the options that best match your budget and the way you use care.

Step 3 — Get covered

Your agent walks you through the top options and handles the enrollment paperwork. Many clients are able to get covered the same business day they submit. You are never obligated to enroll, and the service is always free.

What happens after you submit

During business hours, most clients hear back from a licensed agent within 15 to 30 minutes. After-hours requests are returned first thing the next business day. Your information is encrypted in transit and shared only with the licensed agent working on your quote.

Ready to get started?

Free, no obligation, and most clients hear back the same business day.

Get My Free Quote

Prefer to talk? Call (866) 604-2309

State Licensed

All 50 states

SSL Encrypted

TLS 1.3 secured

No SSN to Quote

Just basic info

Always Free

No broker fees, ever

Call (866) 604-2309

Mon–Fri 9am–6pm EST

Common Questions

Frequently Asked Questions

Yes, 100% free. We are a licensed insurance broker compensated by insurance carriers when you enroll. You never pay us anything — your premium is the same whether you use a broker or go direct.
No. Affordable Insurance Plans is a private, independent, licensed insurance agency. We are not affiliated with, endorsed by, or connected to HealthCare.gov, any state marketplace, CMS, or any government agency. We help you compare plans and enroll through licensed agents.
For people under 65, we compare ACA marketplace plans, private (off-exchange) major medical, short-term medical, fixed indemnity, dental and vision, and supplemental coverage. A licensed agent matches options to your budget, health needs, and state.
During business hours (Mon–Fri 9am–6pm ET), most clients hear back within 15–30 minutes. After-hours submissions are returned first thing the next business day.
No — not to get a quote. An SSN is only needed if you decide to formally enroll in a plan, and only at that point.
It depends on your household income and size, and subsidy rules changed for 2026. Some households still qualify for premium tax credits on ACA plans; others now pay full price and do better with a private or short-term option. A licensed agent will check your eligibility for free before you decide anything.
Employer coverage often locks out marketplace subsidies, but we can still review your situation. If your employer coverage is too expensive or lacks benefits you need, there may be alternatives worth exploring.
Absolutely. All data is encrypted in transit (TLS 1.3) and at rest. We never sell your data to third-party marketers. Your information is shared only with licensed agents working on your quote.