ACA / Marketplace
Comprehensive major medical that cannot turn you down for pre-existing conditions, on or off the exchange. We check whether you qualify for a premium subsidy.
Under 65
Coverage that fits, without the guesswork.
Premiums shifted in 2026 after the enhanced ACA subsidies expired. We will tell you in about two minutes whether a subsidy still changes your math, or whether a short-term or indemnity plan is the smarter move for you.
Under-65 health insurance covers you when you are not insured through an employer or Medicare. The main options are ACA Marketplace major medical, short-term medical, and fixed-benefit indemnity plans. Apex Health Advisors LLC compares all of them across major carriers, at no cost to you.
Short-term medical
Lower-cost, flexible coverage for a gap between plans. Not ACA-compliant comprehensive coverage, but the right tool for the right situation.
Fixed-benefit indemnity
Pays a set amount for covered services. Often paired with other coverage. Not ACA-compliant comprehensive coverage.
Child-only coverage
Need a plan for just your kids? We can place a child-only policy through the Marketplace or on the private side through Allstate, and compare both for the right fit.
How it works
Four steps, one real person
1
Tell us your situation
Answer a few questions. About 90 seconds, no account required.
2
We compare the major carriers
A licensed advisor reaches out the same day, notes your priorities, and shops the major carriers, not one company's shelf.
3
You get the plain-English version
We walk your real options together, screen to screen, and check your doctors, prescriptions, and facilities against each plan. No jargon, no pressure.
4
We handle enrollment and stay with you
Ready to enroll? We do the paperwork. Not yet? You get a written proposal to keep. Either way we stay your point of contact for renewals and questions every year.
Common questions
Good questions, straight answers
Did my subsidy go away?
The enhanced premium tax credits expired at the end of 2025, so many non-subsidy buyers saw higher premiums for 2026. Subsidies still exist for many households, though. We will run your numbers and tell you exactly where you stand.
Is a short-term plan a good idea?
Sometimes. Short-term and indemnity plans are not comprehensive ACA coverage, so they are not right for everyone. For a healthy person bridging a short gap, they can save real money. We will be straight with you about the tradeoffs.
Ready to see your options?
Tell us a little about your situation and a licensed advisor reaches out the same day, usually within minutes during business hours. No spam, no obligation.
This is a solicitation of insurance. A licensed agent may contact you.