Paying Full Price for Marketplace Coverage?
If you earn above the subsidy cliff and you're healthy, there's a good chance you can cut your premium 30–60% with a private or short-term plan — without sacrificing the coverage you actually use.
Free · 2 minutes · No obligation
How this works
See if you can beat what you're paying in 3 steps.
Tell Us What You're Paying
Share your current premium, state, and a few quick details about your household and health.
See Live Side-by-Side Pricing
We pull real private and marketplace plans for your zip code so you can compare against what you're paying now.
Talk to a Licensed Advisor
Christian, our licensed broker, walks you through your best options and finalizes enrollment. Free, no obligation.
Built for healthy payers above the subsidy cliff
If all four of these sound like you, a private plan can usually beat what you're paying.
Paying $500+/mo
$500+ as an individual or $1,000+ as a family for your current marketplace plan.
No subsidy
You earn above the ACA cliff, so you don't qualify for premium tax credits.
Generally healthy
No active cancer, recent major hospitalization, or daily prescriptions for a serious condition.
Rarely use care
A couple of routine visits a year — not chronic or specialty treatment.
See If You Can Beat What You're Paying
A few quick questions and we'll compare live private and marketplace prices for your zip code.
What's your current situation?
Pick the line that fits you best, or type your own question.
Frequently asked questions
Common questions about enrolling after a life event.