Just got a renewal shock on your health insurance?
Self-employed, 1099, or early retiree (50–64)? With subsidies shrinking and premiums rising, most people are paying $200–$600 more per month than they need to. Take the 60-second quiz to see what you actually qualify for.
Why your premium just jumped (and what nobody is telling you)
The expanded ACA subsidies expired at the end of 2025. If you're between 138% and 400% of the federal poverty level — or worse, just over the cliff — your 2026 premium likely went up dramatically.
The Subsidy Cliff is back
If your income is just $1 over the limit, you can lose your entire subsidy — sometimes a $500+/month difference for the same plan.
Most plans got more expensive
Average marketplace premiums rose 6–18% in 2026. Auto-renewals don't shop for you — you're likely overpaying right now.
Healthcare.gov isn't showing you everything
Off-exchange plans, private options, and short-term alternatives often beat marketplace pricing — but you have to know to ask.
Here's what most people don't know:
There are 3 ways to get covered in 2026 — and the marketplace only shows you one.
As an independent broker, we shop all 3 paths. The right one for you depends on your income, age, and health. The quiz figures it out in 60 seconds.
Subsidized ACA Plan
If you qualify for the subsidy (under 400% FPL), this is usually your best route. We shop every plan in your area for the lowest net cost.
- Comprehensive coverage
- Pre-existing conditions covered
- Subsidy can drop premium under $50/mo
Short-Term + Supplemental Stack
If you got cut off from the subsidy, this combo is often 40–60% cheaper than full-price ACA. Short-term medical + Accident + Critical Illness = real protection at real prices.
- Coverage in days, not weeks
- Big network access
- Great for healthy 1099 / early retirees
Hybrid Strategy
For some, the smartest move is mixing both. ACA for predictable care + Hospital Indemnity or Accident for the catastrophic gap.
- Lower monthly cost
- Cash benefits for hospital stays
- Tax-advantaged options for 1099
How the 60-second quiz works
No phone tag. No pressure. Just real numbers based on your real situation.
Answer 6 quick questions
State, income range, household size, age. No SSN, no medical questions. Takes 60 seconds.
We instantly bucket your options
Subsidy-eligible? Above the cliff? Healthy and looking for cheaper? You'll see what path actually fits.
Get a personalized comparison
A licensed broker (not a call center) emails you a side-by-side of your best 3 options — usually within 24 hours.
Who you're working with
A team of licensed independent brokers — not a call center, not captive to one carrier. We shop A.M. Best A-rated companies on your behalf and only get paid when you find a plan that actually fits.
Currently licensed across FL, GA, TX, CA, NC, SC, OH — and more states being added. Specializing in self-employed, 1099, gig workers, and early retirees age 50–64.
Real questions, straight answers
Stuff people ask before they fill out the quiz.
Zero. As a licensed broker we're paid by the insurance carrier, not you. Premium is the same whether you go direct or through us — except we shop multiple carriers, which the carrier websites can't.
No. Healthcare.gov only shows on-exchange ACA plans. We quote those PLUS off-exchange private plans, short-term options, and supplemental coverage. Often the better deal is one healthcare.gov literally cannot show you.
No. Your info goes only to our team — independent licensed brokers. We never sell or share your contact data. (See our Privacy Policy in the footer.) That's the whole point of working with an independent broker instead of a lead aggregator.
Especially yes. Healthy gig workers and 1099s are usually the people most overpaying because they default to whatever popped up on healthcare.gov. There are private options (and HSA-eligible plans) that can cut your premium 30–50%.
You'll get an email confirmation within 60 seconds of finishing the quiz. A personalized plan comparison normally lands in your inbox within 24 business hours — no phone calls unless you specifically ask for one.
Ready to see what you actually qualify for?
60 seconds. No SSN. No spam. Just real numbers from a real licensed broker.
Start the 60-Second Quiz →By starting the quiz you agree to our Terms and Privacy Policy.
Privacy Policy
Obelisk Insurance respects your privacy. Information you submit through this quiz is used solely to provide you with personalized insurance plan information.
- We do not sell, rent, or share your contact information with third-party lead buyers.
- Your information is shared only with the licensed broker handling your request and, if you choose to apply, with the insurance carrier you select.
- You may request deletion of your data at any time by emailing [email protected].
- We use industry-standard encryption to protect data in transit and at rest.
For the full policy, contact us at [email protected].
Terms of Use
By using this site and submitting the quiz, you acknowledge:
- This site is operated by licensed independent insurance brokers. It is not a government website and is not affiliated with HealthCare.gov, CMS, or the federal Medicare program.
- Submitting the quiz is a request for information and a personalized comparison — it is not an application for insurance and does not bind you to any policy.
- Plan availability, eligibility, and pricing are subject to underwriting and final carrier approval.
- Brokers are currently licensed in FL, GA, TX, CA, NC, SC, OH and additional states being added. Residents of other states cannot be assisted at this time.
TCPA & Communication Consent
By submitting the quiz, you consent to be contacted by Obelisk Insurance via email (and, if you provide a phone number, by phone or text) for the purpose of providing requested insurance plan information.
- Consent is not a condition of purchasing any product or service.
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- You may revoke consent at any time by emailing [email protected].