Turning 26 Health Insurance: Your 2027 Options
Your parent’s health plan usually ends around your 26th birthday. Aging off it is a loss of coverage, which opens a 60-day Special Enrollment Period, and you can pick your own Marketplace plan up to 60 days before the coverage ends so you can avoid a gap. This guide covers exactly when your coverage ends, every option available, how 2027 costs work under current rules, and step-by-step enrollment instructions.
Get My Free Quote ↓Quick answer: Aging off a parent’s plan at 26 is a loss of coverage, so it opens a Special Enrollment Period: you can pick your own Marketplace plan up to 60 days before or 60 days after that coverage ends, and if you pick before it ends, your new plan starts the first day of the month after it ends. A parent’s job-based plan generally covers you until you turn 26 (many plans end coverage on the last day of your birthday month); a parent’s Marketplace plan covers you through December 31 of the year you turn 26. For 2027 coverage, you can get a tax credit if your income is about $15,960–$63,840 and you can’t get affordable job-based coverage. You can also join your own employer’s plan, often keep a parent’s employer plan through COBRA for up to 36 months at up to 102% of its full cost, choose a catastrophic plan (under 30, no tax credit), or apply for Medicaid if your income is low enough.
When Does Your Parent’s Insurance Actually End?
Under the ACA, plans that offer coverage to children must make it available until the child turns 26. Until then, you can generally stay on a parent’s job-based plan even if you’re married, have a child, live away from home, aren’t claimed as a tax dependent, or turn down your own job’s coverage (HealthCare.gov). But the exact date your coverage ends varies by plan type, and getting this wrong means a gap in coverage. Here’s how it works:
Employer-Sponsored Plans (Most Common)
Many employer group plans end coverage on the last day of the month in which you turn 26. If your birthday is March 15, a plan like that covers you through March 31. Some plans end on the exact date of your birthday (March 15 in this example), and a few run to the end of the plan year. HealthCare.gov’s advice is to check with the employer or plan, because some states and plans have different rules.
Action required: Contact your parent’s employer HR department or the plan directly to confirm the exact date your coverage terminates. Do this at least 90 days before your 26th birthday. Don’t assume — verify. The termination date anchors your Special Enrollment Period and the start date of your new plan.
ACA Marketplace Plans
If your parent has a Marketplace plan (from HealthCare.gov or a state exchange), you can stay on it through December 31 of the year you turn 26 (or a later age if your state allows). Because that coverage ends on December 31, you can pick your own plan during Open Enrollment; on HealthCare.gov, choose it by December 15 for a January 1 start. Losing that coverage also counts as a loss of coverage for a Special Enrollment Period.
Medicaid and CHIP
If you have your own Medicaid or CHIP coverage, your state’s rules decide when it ends; CHIP mainly covers children, so it ends long before 26. If you lose Medicaid or CHIP, HealthCare.gov gives you 90 days after the loss (instead of 60) to qualify for a Special Enrollment Period.
Bottom line: Find out your exact coverage end date now. Mark it in your calendar. Begin researching replacement coverage 90 days before so you can pick a plan as soon as your window opens, 60 days before the coverage ends.
Your 60-Day Special Enrollment Period
Turning 26 and losing a parent’s coverage is a loss of coverage that opens a Special Enrollment Period (SEP) for ACA Marketplace plans: you can pick a plan up to 60 days before or 60 days after the coverage ends. That means you can enroll outside Open Enrollment, but the window is firm. Dropping a parent’s coverage voluntarily before it ends doesn’t qualify.
When the Window Opens and When Coverage Starts
Your window is built around the day your coverage ends, not your birthday. If your parent’s plan covers you through March 31, you can pick a plan in roughly the 60 days before and the 60 days after that date. Pick a plan before the coverage ends and your new plan starts April 1, the first day of the month after the old coverage ends. Pick after it ends and the new plan starts the first day of the month after you pick, so waiting can leave you uninsured for weeks.
Mid-month end dates: If your parent’s plan ends on your birthday (say March 15), a Marketplace plan still can’t start before April 1, so there can be a short gap. Ask the plan whether coverage runs to the end of the month, and talk to us before that gap opens. A FreedInsure advisor confirms your exact SEP dates and handles timing — free.
What You Need to Enroll
Documentation: Proof of loss of coverage (a letter from your parent’s plan or employer showing the end date); HealthCare.gov may ask you to submit documents within 30 days of picking a plan. Your Social Security number, if you have one. Estimated income for the coverage year. Your address and ZIP code (they determine which plans are available). If you’re also moving to a new state or ZIP code (common for recent graduates), a move can be its own qualifying event, but the loss-of-coverage SEP is usually the simpler one to use.
What Happens If You Miss the 60-Day Window
If you miss your SEP, you generally can’t enroll in a Marketplace plan until the next Open Enrollment (November 1, 2026 to January 15, 2027 on HealthCare.gov for 2027 coverage; state exchanges can set different dates), unless another qualifying event applies (for example, a move to a new ZIP code or county can qualify in some cases). That could mean months without ACA coverage. You can apply for Medicaid any time of year. Short-term plans and other plans sold outside the Marketplace can be applied for outside Open Enrollment, but approval depends on each plan’s eligibility and underwriting rules, start dates depend on the plan, they can limit or exclude pre-existing conditions, and you can’t use a premium tax credit to pay for them. Do not miss this window. Set reminders. Start the process early. Start enrollment →
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.
Health Insurance Options After Turning 26
You have six main coverage options when you age off your parent’s plan at 26. The best choice depends on your employment status, income, and health needs:
Option 1: Employer Health Insurance (If Available)
If your employer offers health insurance and you turned it down because you had a parent’s coverage, losing that coverage generally lets you request special enrollment in your employer’s plan within 30 days (separate from the Marketplace SEP), without waiting for your employer’s open enrollment. If you’re newly hired, you can enroll under the plan’s normal new-hire rules. Contact HR before you turn 26. This is often the simplest transition, and your share of the premium is usually paid through payroll deduction.
Compare before enrolling, and know the affordability rule: if your employer offers you self-only coverage that costs no more than 10.22% of household income for 2027 and meets the minimum value standard, you can’t get a Marketplace tax credit (you can still buy a Marketplace plan at full price). If the employer’s offer isn’t affordable under that test, a subsidized Marketplace plan may cost less. A FreedInsure advisor compares both options side by side — free.
Option 2: ACA Marketplace Plans (Often the Best Fit)
The ACA Marketplace is often the best fit for 26-year-olds without an affordable job-based offer: plans must cover pre-existing conditions and the essential health benefits, and the price you pay is tied to your household income. For 2027 coverage, a premium tax credit is available at 100%–400% of the federal poverty level (about $15,960–$63,840 for one person), and you’re expected to pay 2.15%–10.22% of income for the benchmark Silver plan. The enhanced tax credits expired after 2025 and aren’t part of current law for 2027. At 26, you’re near the low end of the ACA’s age-rating scale, so full-price premiums are lower than for older adults.
Whose income counts: the tax credit is based on the household on your tax return. If someone can claim you as a tax dependent, you can’t claim the premium tax credit yourself (IRS), so if your parents still claim you, you’re part of their tax household. Once no one can claim you, the credit is based on your own tax household’s income (yours, plus a spouse’s if you’re married), which can mean more help than you expect on an entry-level salary.
CSR bonus: If your income is 100%–250% of the poverty level (about $15,960–$39,900 for one person for 2027 coverage), Silver plans bought through the Marketplace come with cost-sharing reductions that lower your deductible, copays and out-of-pocket maximum. For 2027 the out-of-pocket maximum drops to $4,000 at 100%–200% FPL and $9,600 at 200%–250% FPL, versus $12,000 on a standard plan (CMS). CSRs come only with Silver, so if you qualify, compare Silver plans first. Check your subsidy →
Option 3: Catastrophic Plans (Under 30)
If you’re healthy and don’t qualify for a tax credit (for example, your income is over 400% FPL), a catastrophic plan can keep your monthly premium low. You can buy one if you haven’t turned 30 before the plan year starts. It covers the 10 essential health benefits, preventive care at no cost and at least 3 primary care visits a year before the deductible, but by law the deductible equals the ACA out-of-pocket limit ($12,000 for 2027). Premium tax credits can’t be used on catastrophic plans, so if you qualify for one, a Bronze or Silver plan is usually the better value. HealthCare.gov notes that catastrophic plans work with Health Savings Accounts. Catastrophic plans →
Option 4: Medicaid (If Income-Eligible)
Low- or no-cost coverage if your income is under about $22,025 for one person (138% FPL under the 2026 poverty guidelines; the figure updates when the 2027 guidelines are published) in a state that has expanded Medicaid. KFF counts 41 states, including DC, that have expanded. Entry-level, part-time or graduate-school incomes can fall in this range. You can apply any time of year. Federal law also requires states to start applying a work requirement (80 hours a month of work, school or community service, with exemptions) to most expansion adults ages 19–64, generally by January 1, 2027 (CMS), though a state can get a good-faith extension to as late as December 31, 2028. FreedInsure doesn’t enroll people in Medicaid, but we’ll tell you when it’s your best option and point you to your state’s application. In the 10 states that haven’t expanded (Alabama, Florida, Georgia, Kansas, Mississippi, South Carolina, Tennessee, Texas, Wisconsin and Wyoming), a Marketplace plan with a tax credit is usually the answer at incomes just above the poverty line.
Option 5: COBRA on Your Parent’s Employer Plan
If your parent’s job-based plan is subject to COBRA (generally private employers with 20 or more employees, plus state and local governments), losing “dependent child” status at 26 is a COBRA qualifying event, and you can keep the same plan for up to 36 months (U.S. Department of Labor). The catch is price: the plan can charge up to 102% of its full cost, because the employer usually stops paying its share. You or your parent must tell the plan about the loss of dependent status by the plan’s deadline (at least 60 days), and you get at least 60 days to elect. Being offered COBRA doesn’t make you ineligible for a Marketplace tax credit, so compare the two before you choose. If you take COBRA and later drop it voluntarily, that alone doesn’t open a new Special Enrollment Period. COBRA vs. Marketplace →
Option 6: Short-Term Medical (Bridge Only)
If you need coverage while you wait for your ACA plan or employer coverage to start, a short-term plan can bridge a gap where your state allows it. Short-term plans are temporary coverage, and how long you can keep one depends on your state and the plan, from 3 months or less in some states to longer terms with renewals where state law allows. They aren’t ACA plans: coverage is medically underwritten, pre-existing conditions are typically excluded, and you can’t use a tax credit. Short-term plans → Gap coverage guide →
What Health Insurance Costs at Age 26
Age 26 is one of the cheapest ages to buy health insurance. ACA age rating places 26-year-olds near the bottom of the premium scale. Here’s how 2027 Marketplace costs work under current law:
ACA Marketplace With a Tax Credit (2027 Rules)
For 2027 coverage, the tax credit is set so you pay a fixed share of income for the benchmark plan (the second-lowest-cost Silver plan in your area). The examples below show that expected contribution for one person who can’t be claimed as anyone’s tax dependent and has no affordable job-based offer, using the IRS 2027 contribution percentages (Rev. Proc. 2026-26) and the $15,960 poverty guideline that applies to 2027 coverage:
| 2027 Income (Single) | % of Poverty Level | Expected Share of Income | Most You’d Pay for the Benchmark Silver |
|---|---|---|---|
| $20,000 | About 125% | 2.15% | About $36/month |
| $25,000 | About 157% | About 4.6% | About $96/month |
| $35,000 | About 219% | About 7.5% | About $219/month |
| $50,000 | About 313% | 10.22% | About $426/month |
| Over $63,840 | Over 400% | No tax credit | Full price |
How to read this: if the benchmark Silver plan in your area costs more than the amount shown, the tax credit pays the difference, and you can apply the same credit to a cheaper Bronze plan or a richer Gold plan. If the benchmark costs less than the amount shown (possible at 26, when premiums are lower), you get no credit and pay its full price. At $20,000, people in states that expanded Medicaid usually qualify for Medicaid instead. Your exact price depends on your ZIP code and plan. Estimate yours with our 2027 subsidy calculator →
Full Price (No Tax Credit)
Full-price premiums depend on your ZIP code, the insurer and the metal level (Bronze, Silver, Gold), and at 26 they’re lower than for older adults. Catastrophic plans, open to people under 30, are always full price because tax credits can’t be used on them. If you earn over 400% FPL (about $63,840 for one person), you’ll pay full price for any plan, so compare Bronze, Silver and catastrophic options in your ZIP code side by side.
Other Options
Employer plan: your share is set by the employer and usually comes out of your paycheck. COBRA on a parent’s plan: up to 102% of the plan’s full cost, for up to 36 months. Medicaid: no or low cost if you’re income-eligible. Short-term and other plans sold outside the Marketplace: priced and approved under each plan’s own eligibility and underwriting rules, with no tax credit; compare deductibles, caps and exclusions, not just the premium.
Cost Comparison to Parent’s Plan
On your parent’s plan, you may not have paid anything yourself. That’s hard to beat. But your own plan gives you your own independent coverage that doesn’t depend on your parent’s employment status, plan changes, or relationship, and at an entry-level income a tax credit or cost-sharing reductions can make it more affordable than you expect. It’s your first step in building financial independence.
The 90-Day Turning 26 Preparation Plan
Don’t wait until your birthday to figure this out. Start preparing 90 days before so you can avoid a gap in coverage:
90 Days Before: Research and Verify
Confirm your exact coverage end date. Call your parent’s employer HR or the plan. Get the termination date in writing (email is fine). Check employer coverage: Does your own employer offer health benefits? If so, get the enrollment forms and understand the waiting period. Check Medicaid: If your income is under about $22,025 in a state that expanded Medicaid, you may qualify for low- or no-cost Medicaid — you can apply any time of year. Estimate your income: Your income determines your tax credit. Gather pay stubs or estimate annual earnings, including any freelance, gig or tip income. Check dental and vision: If you’re also on a parent’s dental or vision plan, ask when that coverage ends too, and compare stand-alone options if you need them. Dental & vision options →
60 Days Before: Compare Plans
Call FreedInsure at (844) 788-3733 or submit the form below. A licensed advisor will: confirm your SEP eligibility and dates, compare your employer plan vs. ACA Marketplace vs. COBRA vs. catastrophic, calculate your after-subsidy cost for the top 3–5 plans, verify your doctors are in-network, and recommend the plan that fits your healthcare needs and budget. This consultation is free, takes about 15 minutes, and should happen 30–60 days before your coverage ends, when your Special Enrollment Period is already open.
30 Days Before: Enroll
If choosing ACA: Enroll through the Marketplace (your advisor handles this). We don’t sell ACA Marketplace plans in Washington, DC, Maine, Maryland, Nevada, Pennsylvania or Virginia: DC residents enroll through DC Health Link, and residents of the other five states enroll through their state’s exchange. In DC we can help with life insurance and supplemental coverage; in Maine, Maryland, Nevada, Pennsylvania and Virginia we can also help with private PPO/EPO plans and short-term plans where state law allows. Pick your plan before your old coverage ends so it starts the first day of the next month: if your parent’s plan ends March 31, your new plan starts April 1. Pay the first premium by the insurer’s due date. If choosing employer: Submit enrollment forms to HR with proof of loss of parent coverage, within the plan’s 30-day special enrollment window. If choosing catastrophic: Catastrophic plans are sold through the Marketplace too.
Birthday: Seamless Transition
If your parent’s coverage ends on the last day of a month and you picked a plan ahead of time, your new coverage starts the next day. Zero gap. If it ends mid-month, there can be a short gap until the first of the next month (see above). Your new ID card may arrive after your start date, but you’re covered from the effective date once your first premium is paid. Keep your old insurance card until you receive the new one in case you need to reference it for claims that occurred before the transition.
Buying Health Insurance for the First Time
For many 26-year-olds, this is the first time you’re buying your own health insurance. The terminology and options can feel overwhelming. Here’s what you need to understand:
Key Terms You Need to Know
Premium: What you pay per month. Think of it like rent for your health insurance. Deductible: The amount you pay out of pocket before insurance starts covering costs. If your deductible is $3,000, you pay the first $3,000 of medical bills; after that, insurance kicks in. Copay: A fixed amount you pay for specific services (for example, $20 for a doctor visit or $50 for a specialist). On many plans, copays apply even before you meet your deductible. Coinsurance: Your percentage of costs after the deductible. If coinsurance is 20%, you pay 20% and insurance pays 80%. Out-of-pocket maximum: The most you’ll pay in a year for covered in-network care. For 2027, an ACA plan’s out-of-pocket maximum can be no higher than $12,000 for one person (CMS); once you reach it, the plan pays 100% of covered in-network care for the rest of the year. Premiums don’t count toward it. This protects you from catastrophic medical debt.
How to Choose a Plan
If you’re healthy and rarely see a doctor: Consider a Bronze plan or, if you don’t qualify for a tax credit, a catastrophic plan. Low premium, high deductible. You’re mostly paying for catastrophic protection — the insurance is there if something major happens (accident, appendicitis, broken bone).
If you have regular medical needs (ongoing medication, therapy, specialist visits): Choose Silver — especially if you qualify for CSR. The higher premium is often offset by lower per-visit costs and a lower deductible, especially with cost-sharing reductions.
Rule of thumb: Calculate total annual cost = (monthly premium × 12) + expected out-of-pocket costs at your typical usage level. The plan with the lowest total cost is the best value — NOT necessarily the plan with the lowest premium.
Network Types Simplified
PPO (Preferred Provider Organization): You can usually see in-network specialists without a referral, and many PPOs pay part of the cost of out-of-network care, at a higher cost to you. A “PPO” label doesn’t guarantee out-of-network coverage, so check the plan. Usually higher premiums. HMO (Health Maintenance Organization): Usually requires a primary care physician (PCP) and referrals for specialists. No out-of-network coverage except emergencies. Lower premiums. EPO (Exclusive Provider Organization): No referrals needed, but no out-of-network coverage except emergencies. Middle ground. PPO vs HMO comparison →
Mistakes 26-Year-Olds Make With Health Insurance
Mistake 1: Waiting Until Your Birthday to Start
The #1 mistake. If you wait until your birthday to research options, you’re already behind. Plan comparison, subsidy checks, and enrollment take time. Start 90 days before. The worst outcome: scrambling to find coverage, choosing a bad plan under pressure, or missing your 60-day window entirely.
Mistake 2: Going Uninsured to “Save Money”
You’re 26. You feel invincible. You think, “I’m healthy, I’ll skip insurance for a year and save the premium.” Then you slip on ice and need surgery, discover a lump, or end up in a car accident, and the bill runs into the tens of thousands. An ACA plan’s out-of-pocket maximum caps what you pay for covered in-network care at no more than $12,000 for one person in 2027, and often less. That cap is what protects you from financial catastrophe.
Mistake 3: Assuming You Can’t Afford It
You see a full-price premium and assume you’re priced out. You never check your tax credit. Under the 2027 rules, a single person earning $35,000 is expected to pay about 7.5% of income, about $219/month, for the benchmark Silver plan, and Bronze plans can cost less. At $25,000, the benchmark share drops to about $96/month, and cost-sharing reductions cut the deductible too. 2027 subsidy calculator →
Mistake 4: Not Verifying Your Coverage End Date
Your parent’s plan might end on your birthday, end of the month, or end of the plan year. Assuming wrong means either a coverage gap (you think you’re covered but aren’t) or rushing to enroll (you thought you had more time). Call the plan or HR. Get the date in writing.
Mistake 5: Choosing Based on Premium Alone
The cheapest monthly premium is not always the cheapest total cost. Hypothetical example: Plan A costs $0/month with a $9,000 deductible; Plan B costs $100/month with a $1,500 deductible. If you break a leg and need $10,000 of care, you pay about $9,000 with Plan A and about $2,700 with Plan B ($1,200 in premiums plus the $1,500 deductible), before any coinsurance. Think total annual cost, not just premium.
Health Insurance Options at Age 26
| Option | What You Pay at 26 | Deductible | Pre-Existing Conditions Covered? | Best For |
|---|---|---|---|---|
| Medicaid | $0 or low cost | Set by your state | Yes | Income under about $22,025 in expansion states |
| ACA Bronze (with tax credit) | Based on income; credit at 100%–400% FPL | Highest of the metal levels | Yes | Healthy, low expected use |
| ACA Silver with CSR | Based on income | Reduced; out-of-pocket max $4,000–$9,600 (2027) | Yes | 100%–250% FPL |
| Employer plan | Your share, set by employer | Varies by plan | Yes | An affordable job-based offer |
| COBRA (parent’s plan) | Up to 102% of full plan cost | Same as parent’s plan | Yes (same plan) | Keeping the same plan for now |
| Catastrophic | Full price (no tax credit) | $12,000 (2027) | Yes | Under 30, no tax credit |
| Short-term medical | Set by insurer; no tax credit | Varies | No; typically excluded | A brief bridge where your state allows |
| Plan sold outside the Marketplace | Quoted after eligibility review; no tax credit | Varies by plan | Not guaranteed; get it in writing | Healthy, over 400% FPL, missed SEP |
2027 figures from CMS and the IRS as of fall 2026; what you pay depends on income, age, ZIP code and 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. 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.”
Who Should Read This
💼 Have Employer Coverage
Losing a parent’s coverage generally gives you 30 days to request special enrollment at work. If the employer’s self-only offer is affordable (no more than 10.22% of household income in 2027), it blocks the Marketplace tax credit, so compare before your birthday.
💰 Earning Under $35K
You’re likely under 250% FPL (about $39,900 for 2027 coverage), so Silver plans come with cost-sharing reductions that cut your deductible and cap out-of-pocket costs at $4,000–$9,600 in 2027. Under about $22,025, check Medicaid first. Check →
🎓 Still in School at 26
Compare your school’s student health plan with a Marketplace plan before auto-enrolling. On a student-level income, a tax credit or cost-sharing reductions can make the Marketplace plan the cheaper choice.
💪 Healthy and Rarely Use Care
A subsidized Bronze plan, or a catastrophic plan if you don’t qualify for a tax credit. Both cover preventive care at no cost and cap your out-of-pocket costs. Catastrophic plans can’t be used with a tax credit.
Frequently Asked Questions
Sources
HealthCare.gov: Health coverage for young adults under 26 — job-based plans generally until 26; Marketplace plans through December 31 of the year you turn 26.
HealthCare.gov: Special Enrollment Period — turning 26 qualifies; the window is 60 days before or after a loss of coverage (90 days after losing Medicaid or CHIP).
HealthCare.gov: Confirm your Special Enrollment Period — when coverage starts after a loss of coverage, and the 30-day document deadline.
HealthCare.gov: Catastrophic health plans — who can buy one, what it covers, that they work with Health Savings Accounts, and why Bronze or Silver may be a better value if you qualify for savings.
42 U.S.C. 18022(e) — catastrophic plan age rule and deductible equal to the yearly out-of-pocket limit.
U.S. Department of Labor: An Employee’s Guide to Health Benefits Under COBRA — loss of dependent child status, 36-month maximum, 102% premium, and 30-day special enrollment in other group plans.
IRS Rev. Proc. 2026-26 — 2027 premium tax credit contribution percentages and the 10.22% employer affordability threshold.
IRS: Eligibility for the premium tax credit — the 100%–400% FPL range and the rule on being claimed as a dependent.
CMS: 2027 cost-sharing parameters — the $12,000 out-of-pocket maximum and the $4,000 and $9,600 cost-sharing reduction limits.
HHS ASPE: Poverty guidelines — $15,960 for one person in 2026, used for 2027 Marketplace savings.
KFF: Status of state Medicaid expansion decisions — 41 states, including DC, have adopted the expansion.
CMS: Medicaid community engagement requirement — 80 hours a month for adults 19–64 in the expansion group, generally starting by January 1, 2027.
Get Your Health Insurance Quote
Turning 26? A licensed advisor compares Marketplace, employer, COBRA and catastrophic options for your income, and tells you if Medicaid is the better fit. Free, about 15 minutes. Two of our licensed agents speak Spanish (se habla español). FreedInsure LLC is an independent insurance agency; its licensed agent, Constantino Lardi (NPN 20230457), is licensed in 42 states. Our help is free to you, and we’ll show you your ACA Marketplace options, including any tax credit you qualify for, next to any private plan.
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Turning 26 Doesn’t Mean Turning Uninsured.
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