Get Affordable Health Insurance
Coverage That Fits
Compare health insurance plans from 14+ carriers in one place. ACA plans with tax credits (some people may pay $0 depending on income and location). Private PPO plans, dental, vision, life. A licensed advisor handles everything — 100% free.
Compare Plans ↓Compare Health Insurance Plans by Type
Finding affordable health insurance doesn’t have to be overwhelming. FreedInsure compares every available plan in your ZIP code — ACA Marketplace plans, PPO plans, dental, vision, life, and supplemental coverage — so you see all your options in one place. Here’s what’s available:
ACA Marketplace Plans (Obamacare)
ACA health insurance through Healthcare.gov offers subsidized coverage based on your household income. In the 2026 Open Enrollment, 87% of enrollees received advance premium tax credits averaging $650/month (CMS), which makes ACA the most affordable health insurance for most people who qualify. Plans cover all 10 essential health benefits including prescriptions, preventive care, maternity, and mental health. Open Enrollment for 2027 coverage runs November 1, 2026 through January 15, 2027 on HealthCare.gov, with Special Enrollment available after qualifying life events. (In Washington, DC, ACA plans are sold through DC Health Link; FreedInsure helps DC residents with life and supplemental coverage instead.) Compare ACA plans →
Private PPO Plans (Outside the Marketplace)
Private PPO and EPO plans sold outside the ACA Marketplace use rented provider networks such as the Cigna PPO network or the First Health network. You can apply outside Open Enrollment, but approval depends on each plan’s eligibility rules and underwriting, and the start date depends on the plan. Benefits, limits and exclusions vary by plan, and some plans labeled “PPO” cover in-network care only. They can fit healthy people who earn too much for a tax credit; if you qualify for a subsidy or have a pre-existing condition, an ACA plan usually wins. Compare PPO plans →
Straight talk: A plan sold outside the Marketplace can cost less than a full-price ACA plan if you’re healthy, earn too much for a tax credit, or want a specific network. But if you qualify for a tax credit or Medicaid, have a pre-existing condition, are pregnant or planning to be, or take expensive medications, an ACA plan is usually the safer buy, and the only way to get the premium tax credit is through the Marketplace. We’ll price both side by side before you decide. Call (844) 788-3733.
These plans are not sold through the ACA Health Insurance Marketplace (HealthCare.gov or your state’s exchange) and are not individual-market ACA plans. You can’t use a premium tax credit or cost-sharing reduction to pay for them. As HealthCare.gov puts it, “the only way to get the premium tax credit is through the Marketplace.”
The Cigna PPO and First Health networks are provider networks, not the insurers of these plans, and they don’t pay their claims. A plan that uses the Cigna PPO network or the First Health network sets its own benefits and pays claims through its own administrator. Before you get care, confirm your doctor or facility is in network using the directory and phone number on your plan ID card.
Important: Plans sold outside the ACA Marketplace may be subject to underwriting, age limits, state availability and each plan’s own eligibility rules. Not all plans are available in all states. Rates are not guaranteed and can change. Benefits, limits and exclusions are set by the official plan document or policy, which controls if it differs from this page. This page is a general summary, not a contract or an offer of coverage.
Dental & Vision Insurance
Standalone dental and vision plans for individuals and families. Preventive care at 100%, no waiting period options available. Aetna, MetLife, Ameritas, and more. Add to any health plan or enroll separately. Compare dental plans →
Life Insurance
Term life, whole life, indexed universal life (IUL), and final expense/burial insurance. 14 carriers compared. No medical exam options available. Compare life insurance →
Supplemental Insurance
Accident and critical illness insurance that pays cash directly to you when you need it most. Stacks on top of any health plan. Compare supplemental plans →
Find Affordable Health Insurance for Your Situation
🧾 Self-Employed & Freelancers
Net Schedule C income determines your ACA subsidy. Some people may pay $0 depending on income and location. Premiums are often deductible within IRS limits. Learn more about self-employed health insurance →
💼 Lost Your Job
60-day ACA Special Enrollment. A tax credit can make a Marketplace plan far cheaper than COBRA. See options →
👨👩👧 Families
Children’s dental must be available with ACA family plans. For 2027 coverage, families of 4 earning up to about $132,000 can qualify for tax credits. Family plans →
🎓 Turning 26
Aging off parents’ plan? 60-day window. ACA tax credits, and some people may pay $0 depending on income and location. Options →
🤰 Pregnant
Maternity covered on every ACA plan. Prenatal at $0. No waiting period. Maternity plans →
🎓 Students
Under 26? Stay on parents’ plan. Or get ACA, campus, or other plans. Student options →
Get Health Insurance Quotes Online in 3 Steps
Step 1: Tell Us About Yourself
ZIP code, household size, estimated income. No SSN needed for a quote. Your information is never sold to third parties.
Step 2: We Compare Every Plan
Your licensed advisor compares ACA (in the states where we sell them), PPO, dental, vision, and life insurance options specific to your ZIP code and budget. We verify your doctors are in-network.
Step 3: Enroll & Save
Choose the best plan. We handle enrollment, subsidy verification, and ID card delivery. Ongoing support for claims, billing, and plan changes — all free.
Why FreedInsure?
Agent licensed in 42 jurisdictions (41 states + DC). Carrier-compensated — our service is 100% free. For ACA plans, you pay the exact same premium whether you use us or go direct.
Health Insurance FAQ
Compare Plans in Your Area
See every plan available in your ZIP code. A licensed advisor confirms your best option — free.
FreedInsure LLC is an independent insurance agency; its licensed agent, Constantino Lardi (NPN 20230457), is licensed in 42 jurisdictions (41 states + DC). Our help is free to you, and we’ll show you your ACA Marketplace options (in the states where we sell them), including any tax credit you qualify for, next to any private plan. Important: Plans sold outside the ACA Marketplace may be subject to underwriting, age limits, state availability and each plan’s own eligibility rules. Not all plans are available in all states. Rates are not guaranteed and can change. Benefits, limits and exclusions are set by the official plan document or policy, which controls if it differs from this page. This page is a general summary, not a contract or an offer of coverage.
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ACA tax credits, private plans, dental and life. 14+ carriers compared. Licensed advisor handles everything — free.
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