Affordable
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★★★★★4.8/5 · Licensed in All 50 States · Free

Free quote · No obligation · Takes ~60 seconds

Step 1 of 4

Where are you located?

Plans and subsidies vary by ZIP code.

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47,000+

Families Helped

4.8 / 5

Average Rating

200+

Plans Compared

24 hrs

Avg. Turnaround

Compare plans with licensed help — fast, free, and with no obligation.

Licensed Agents
ACA & Private Options
No Obligation Quote

Plans from trusted national carriers

AetnaCignaAnthemUnitedHealthCareAmbetter
A family protected by affordable health insurance

Why Families Trust Us

Real Coverage for Real Families — at Prices That Make Sense

The ACA marketplace offers significant subsidies based on household income and family size. Millions of Americans qualify for plans that cost far less than they think — but navigating the options alone is confusing. Our licensed agents do the comparison work for you, at no charge.

See Plans in My Area

Free · No obligation · No SSN required

Simple Process

How It Works

Getting covered is simpler than you think. Three steps, zero cost.

1

Tell Us Your Needs

Complete our 60-second form. No SSN required, no credit check.

2

We Compare Options

Licensed agents review hundreds of ACA-compliant plans in your area.

3

Get Covered Today

Enroll by phone or online — our agents handle everything for you.

Get My Free Quote

Free · No obligation · Results same day

Why Choose Us

We Work for You, Not the Insurers

Always Free

Carriers pay our agents. Your premium is identical whether you use a broker or go direct.

No Obligation

Browse your options with zero pressure. You decide if and when to enroll.

Licensed Experts

Every agent is state-licensed and trained on ACA marketplace plans in your state.

Same-Day Results

Receive your personalized plan options the same business day you submit.

Licensed insurance agent ready to help

Speak With a Real Person

Licensed Agents Ready to Help — No Scripts, No Pressure

Every agent on our team is state-licensed, ACA-trained, and incentivized to find the right plan for your budget — not the plan that pays them the most commission. Call or submit the form and an agent will follow up same day.

Call (866) 604-2309

Mon–Fri · 9am–6pm EST

State Licensed

All 50 states

SSL Encrypted

TLS 1.3 secured

HIPAA Compliant

Your data stays yours

Always Free

No broker fees, ever

Ready to find your plan?

Call (866) 604-2309

Mon–Fri 9am–6pm EST

Common Questions

Frequently Asked Questions

Everything you need to know before you get started.

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.

Still have questions? Talk to a licensed agent now.

Call (866) 604-2309