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Coverage for Every Household

Health Plans Built for Individuals & Families

Whether it is just you or your whole family, our licensed agents compare hundreds of ACA-compliant plans to match your needs and budget. See your options in about 60 seconds.

Free quote · No obligation · Takes ~60 seconds

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Plans and subsidies vary by ZIP code.

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Individual Coverage

If you are self-employed, between jobs, an early retiree under 65, or simply without employer coverage, an individual ACA-compliant plan can give you real protection. A licensed agent reviews your situation and shows you plans that fit how you actually use care.

  • Self-employed and 1099 contractors
  • Between jobs or recently lost coverage
  • Early retirees and those under 65
  • Anyone without affordable employer coverage

Family Coverage

Covering a spouse and children does not have to be complicated. Family plans can include pediatric care, maternity benefits, and preventive visits, and many households qualify for subsidies that bring the monthly cost down based on income and family size.

  • Cover your spouse and dependent children on one plan
  • Pediatric dental and vision options on many plans
  • Maternity and preventive care included on ACA plans
  • Larger households often qualify for larger subsidies

How household size affects your savings

ACA subsidy eligibility is based on both your income and your household size, so the same income can qualify for more help with more people on the plan. A licensed agent confirms your eligibility and shows you the after-subsidy price before you ever decide to enroll. There is no cost and no obligation to get your quote.

Find the right plan for your household

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

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Prefer to talk? Call (866) 604-2309

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All 50 states

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No SSN to Quote

Just basic info

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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.