Will a private plan cover my pre-existing condition?

Usually not. Medically underwritten plans are built for healthy applicants; if you have significant ongoing conditions, a subsidized ACA plan is almost always the better and cheaper option.

Am I giving up ACA protections?

Private plans aren't required to follow all ACA rules. We'll walk through exactly what's included and excluded before you enroll in anything.

How is pricing determined?

Private plans price primarily on your age and health, not just income — which is why healthy applicants often pay far less than the Marketplace's full-price rate.

What if my income changes and I fall back under the cliff?

We monitor open enrollment windows with you and can help you move back to a subsidized ACA plan if your situation changes.

Care Collective Advisors privatehealthcoverage.io Get My Quote

Private health insurance for self-employed households the ACA Marketplace priced out

See If You Qualify How It Works

Quick Eligibility Check

Start My Free Comparison

No obligation. Licensed advisors, not a call center.

Meet Your Advisor

Christopher A Olivier, Founder of Care Collective Advisors

Licensed in 29 states, Christopher built Care Collective Advisors specifically for people the ACA Marketplace stopped pricing fairly: healthy self-employed workers and small business owners who cleared the subsidy cliff. He spends every call doing the same thing — running your real numbers against every option, ACA and private, before making a recommendation.

✓Licensed in 29 states, appointed with multiple carriers

✓Answers his own phone — no call-center handoffs

✓Shows the ACA option even when it means less commission

Talk to Christopher

The 2026 Reality

Why your Marketplace renewal jumped so much

Enhanced ACA subsidies expired at the end of 2025. The old "subsidy cliff" is back — and it hits self-employed people and small business owners hardest.

A Federal Income Threshold

Cross a certain household income range, and premium tax credits can shrink sharply or disappear — the exact number depends on your household size and state.

$875–$3,450/mo

Typical full-price benchmark Silver premium in 2026 for a self-employed household above the subsidy cliff (with and without deductible included).

4.8 million

Americans the Urban Institute projects will lose ACA coverage in 2026 as enhanced subsidies lapse.

Sources: KFF, "2026 ACA Marketplace Enrollment, Premiums, and Deductibles" ↗; Urban Institute coverage projections ↗.

Find Your Fit

Browse by household type or by plan type

Two ways to start — pick whichever matches how you think about this.

Business & Self-Employed

Built for 1099s, freelancers, and small business owners with no group plan and no employer subsidy.

See Business Plans

Popular Coverage

The plan categories most individuals and families compare first.

See Popular Plans

Get My Free Estimate

60-Second Quiz

Not sure which coverage fits you?

Answer a few quick questions and we'll point you toward the plan category that fits your situation — no health-share programs, ever.

Get My Free Estimate

Question {{ quizStep }} of 3

How do you currently earn income?

How would you describe your health?

How much coverage are you looking for?

Subsidy Check

See what the 2027 rules actually give you

Pick your state, enter your household, and see where you land against the subsidy cliff. Built on the published percentage table, not a rule of thumb. The math updates instantly — nothing is stored, no email needed.

Your household

Use the income you expect to report for 2027, not last year’s. Subsidies are settled against what you actually earn.

State

Expected 2027 household income

Modified adjusted gross income for everyone on your tax return.

People on the tax return

Including anyone you claim as a dependent.

Children enrolling

Your age

Spouse age

Retail monthly price of your ACA plan, if you know it

Monthly, for your whole household. Entering the real figure from your county replaces the estimate and makes the credit below exact.

What the 2027 rules give you

Pre-filled with an example household so you can see how it works — change any number to make it yours. Updates instantly, nothing is stored.

{{ calcFplLabel }} of the federal poverty level cliff at {{ calcCliffAt }}

{{ calcCreditValue }}/mo

Your income is below the federal poverty level. In states that expanded Medicaid you would likely qualify for Medicaid instead. In states that did not, there is a coverage gap with no Medicaid and no marketplace credit. This is worth a phone call.

You qualify for cost-sharing reductions, but only on a silver plan. Buying bronze to save on premium throws this away. An advisor can walk you through what that means in dollars.

Your numbers appear here

Fill in your income, the people on your tax return, and your age. The math updates instantly as you type — nothing is stored, no email needed.

Get Exact Numbers Call (954) 995-1023

A note on {{ calcStateName }}: this agency is not currently licensed there, so the numbers above are educational only. Say so when you call and you will get an honest referral rather than a runaround.

An educational estimate, not a quote, an offer of coverage, or tax advice. Poverty percentage and contribution come from the 2026 HHS poverty guidelines and IRS Rev. Proc. 2026-26; the benchmark is projected from KFF’s 2026 state figure and filed — not approved — 2027 rate increases. Open the full calculator →

Premiums by State

What an ACA plan costs, state by state

The benchmark premium is the number every subsidy is calculated against. Nationally it reached $625 a month in 2026, a 26% jump in one year, and the spread between states is larger than most people imagine.

2026 figures are published KFF data; 2027 figures are projections built from filed rate increases. See the full state map and methodology →

Who We Help

Built for people the Marketplace wasn't priced for

Private, medically-underwritten plans work best for a specific kind of household. If several of these describe you, you're likely a strong fit.

Plan Categories

Major medical coverage we compare for you

View full coverage guide →

Learn more →

Carriers We Work With

Tap a carrier to get your quote or book a call with a licensed advisor.

Blue Cross Blue Shield United Healthcare Cigna Aetna Oscar Anthem Ambetter PHCS AvMed Florida Blue Allstate Humana

Side-by-Side

Marketplace vs. private coverage

For unsubsidized households only — this is not a replacement for ACA coverage if you qualify for subsidies or have significant medical needs.

	ACA Marketplace (Unsubsidized)	Private Plans (via CCA)
{{ row.label }}	{{ row.aca }}	{{ row.private }}

Private plans are medically underwritten and are not ACA-qualified health plans; they typically exclude pre-existing conditions, maternity, and some chronic-condition management.

By State

What a single-person Marketplace plan costs where you live

Unsubsidized benchmark Silver premium for a 40-year-old, 2026 — before any tax credit. Your private-plan estimate assumes good health and no major prescriptions.

State	Marketplace (Unsubsidized)	Private Plan Est.	Typical Savings
{{ row.state }}	{{ row.aca }}	{{ row.private }}	{{ row.savings }}

Marketplace figures: KFF state benchmark premium data ↗ and MoneyGeek's 2026 analysis ↗ of CMS rate filings, benchmark Silver plan, 40-year-old, unsubsidized. If you qualify for an ACA subsidy, it is usually still your best value — see Get My Quote to check.

See the full interactive state map →

Licensed & Regulated

Christopher A Olivier is licensed in {{ licenseCount }} states

Every state license on file, straight from the regulator. Scroll to find yours.

Hover a state to preview, click to view the full license.

Ask us anything

Typing…

{{ selectedLicense.name }} License

Redacted state health insurance license certificate for Christopher A Olivier, NPN 21299672

Common Questions

Before you talk to an advisor

Read the full FAQ →

See your real options in about 15 minutes

Free comparison. No pressure. Talk to a licensed advisor, not a script.

Get My Free Quote