We’re a licensed, independent health agency helping individuals and families find affordable ACA and private health plans in Florida, Texas, Arizona, Tennessee, and Michigan.

Never. Our services are 100% free — we’re paid by the insurance carriers.

Yes. We’re fully HIPAA-compliant and protect every client’s data.

The ACA makes comprehensive, affordable health insurance available to individuals and families through Marketplace plans — often with income-based tax credits that lower your monthly cost.

U.S. citizens or legal residents not eligible for employer coverage, Medicaid, or Medicare

Proof of income, ID, Social Security number, and basic household info.

Yes — many of our clients are self-employed or between jobs.

• Bronze: Lowest premiums, higher out-of-pocket costs.

• Silver: Balanced — most clients choose this level.

• Gold: Higher premiums, lower out-of-pocket costs.

Usually separate add-ons. We can bundle them for full coverage.

During Open Enrollment (Nov 1 – Jan 15) or within 60 days of a qualifying life event (like losing coverage, moving, or having a baby).

There’s no federal penalty, though a few states still require coverage.