✅ Agent Licensed in 42 Jurisdictions • Agent NPN 20230457

Health Insurance That Actually Saves You Money.

Affordable health insurance starts with the savings you qualify for. ACA plans cover pre-existing conditions and 10 essential health benefits, and tax credits still apply for incomes from 100% to 400% of the poverty level. FreedInsure, an independent broker serving clients in 41 states + DC, compares 14+ carriers for you, and every quote is 100% free. Same plans as HealthCare.gov.

14+
Carriers Compared
42
Licensed Jurisdictions
$0
Cost to You
See What You Qualify For → 60-second subsidy check. No obligation.
Smiling FreedInsure insurance advisor giving a thumbs up

Find Your Plan in 30 Seconds

3 quick questions → state-specific plans

Who needs coverage?
🔒 No email or phone required for estimate
14+ Carriers Compared
Ambetter Blue Cross Blue Shield UnitedHealthcare Aetna Oscar Health Molina Healthcare Anthem Kaiser Permanente Wellpoint AmeriHealth Highmark Medica CareSource Christus Health First Health PPO Allstate Antidote Health Imperial Health United Health One Pivot Health Mutual of Omaha Transamerica Ethos Aflac Ameritas MetLife Assurity Americo CICA Life Baltimore Life Gerber Life Royal Neighbors NCD Solstice Ambetter Blue Cross Blue Shield UnitedHealthcare Aetna Oscar Health Molina Healthcare Anthem Kaiser Permanente Wellpoint AmeriHealth Highmark Medica CareSource Christus Health First Health PPO Allstate Antidote Health Imperial Health United Health One Pivot Health Mutual of Omaha Transamerica Ethos Aflac Ameritas MetLife Assurity Americo CICA Life Baltimore Life Gerber Life Royal Neighbors NCD Solstice
What We Offer

Insurance for Every Stage of Life

From ACA Marketplace plans to life insurance and supplemental coverage — one advisor, one call, complete protection.

🏥

ACA / Marketplace Plans

Tax credits can lower premiums, to $0 for some people who qualify. Pre-existing conditions covered. All 10 essential health benefits. Open Enrollment + Special Enrollment.

Check your subsidy →
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Life Insurance

Term, whole life, IUL, and final expense. Healthy 30-somethings often see $500K of 20-year term quoted at roughly $25–$40/month. 14+ carriers compared. Protect your family’s future.

Compare life insurance →
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Private PPO Plans

PPO plans sold outside the ACA Marketplace. You can apply outside Open Enrollment, but approval depends on each plan’s eligibility and underwriting rules, start dates vary, and tax credits don’t apply. If you qualify for a subsidy or have a pre-existing condition, an ACA plan usually wins.

See PPO options →
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Supplemental Insurance

Hospital indemnity, critical illness, accident, disability income. Cash benefits paid directly to you. Fill the gaps your major medical doesn’t cover.

Explore supplemental →
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Dental & Vision

Comprehensive dental from $25/month. Vision from $10/month. No waiting periods on preventive. Individual and family plans available.

Get dental & vision →
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Business & Group

Small group, ICHRA, QSEHRA, level-funded, and PEO options for 2–200+ employees. Tax credits up to 50% for small businesses.

Business solutions →

Federal notice for hospital (fixed) indemnity plans: THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES.

FreedInsure advisor on a headset helping a member
Real Human Support

We’re here long after you enroll.

One dedicated, licensed advisor handles your enrollment — then stays on for claims questions, plan changes, and renewal reviews every year. No phone trees. No handoffs.

Call (844) 788-3733 →
Why FreedInsure

Your Insurance Advisor — Not a Call Center

FreedInsure is an independent brokerage — not a lead generation site. We don’t sell your information. We don’t transfer you to random agents. You work directly with a licensed advisor who knows your state, your carriers, and your options.

  • ✓100% free. Insurance carriers pay us — you never pay a cent. Same plans, same prices as Healthcare.gov.
  • ✓Independent. We compare 14+ carriers to find the plan that fits your needs and budget.
  • ✓Our agent is licensed in 42 jurisdictions. Constantino Lardi, NPN 20230457. Verified by NIPR. Real licensure, not a referral network.
  • ✓Year-round support. Coverage questions, claims help, renewal optimization. We’re here after enrollment, not just during it.
How It Works

Three Steps to Coverage

1

Tell Us About You

Submit the form or call (844) 788-3733. Share your ZIP, household size, and income estimate.

2

We Compare Plans

Licensed advisor compares 14+ carriers, applies your subsidy, and presents the best options.

3

Get Covered

Choose your plan and we help you enroll. Your insurer sends your ID card after you enroll and pay your first premium.

You May Already Qualify

Some people still qualify for a $0/month plan.

The enhanced subsidies expired after 2025, but premium tax credits still apply for incomes from 100% to 400% of the federal poverty level, and some people still pay $0 a month for ACA coverage. A licensed FreedInsure advisor confirms your exact price in about 60 seconds — free, with no obligation.

See If You Qualify →
FreedInsure licensed agent giving a thumbs up beside an approved checkmark

Agent Licensed in 42 Jurisdictions

Click your state for local plans and pricing. In Washington, DC, ACA plans are sold through DC Health Link; we help DC residents with life and supplemental coverage.

Alabama Alaska Arizona Arkansas California Delaware DC Florida Georgia Hawaii Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Michigan Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania South Carolina South Dakota Tennessee Texas Utah Virginia West Virginia Wisconsin Wyoming
Common Questions

Frequently Asked Questions

How do I get free health insurance quotes online?
Use the plan finder at the top of this page. Answer three quick questions, ending with your ZIP code, to reach your state’s plan page; no email or phone number is needed. For a personal quote, call (844) 788-3733 or take the 60-second subsidy check. A licensed FreedInsure advisor compares the plans sold in your area by the 14+ carriers we work with, applies any tax credit you qualify for, and quotes the same ACA prices you would see on HealthCare.gov or your state’s marketplace. Quotes are free, with no obligation to buy. Check your subsidy →
How can I find affordable health insurance for 2027?
Start with the savings you qualify for. For 2027 coverage, premium tax credits cap what you pay for the benchmark silver plan at 2.15% to 10.22% of household income (IRS Rev. Proc. 2026-26) if you earn 100% to 400% of the federal poverty level. That is about $15,960 to $63,840 for a single person, or more in Alaska and Hawaii (2026 HHS poverty guidelines). Under current law, there is no tax credit above 400%. If you earn 100% to 250% of the poverty level, a Marketplace silver plan also comes with lower deductibles and copays. Open Enrollment on HealthCare.gov runs November 1, 2026 to January 15, 2027; enroll by December 15 for coverage that starts January 1. State-run marketplaces can set different dates. Estimate your 2027 subsidy →
Is FreedInsure really free?
Yes, 100% free. Insurance carriers pay brokers when you enroll. You pay nothing for our service. You receive the same plans at the same price as Healthcare.gov plus personalized expert guidance. No hidden fees. No markup.
How is FreedInsure different from Healthcare.gov?
Same plans, same subsidies, same prices — plus a licensed human advisor who compares 14+ carriers, verifies your doctors are in-network, and recommends the plan with the lowest total cost. Healthcare.gov is a self-service tool. FreedInsure is a guided experience.
Can I really get $0/month health insurance?
Some people can. The enhanced tax credits expired after 2025, but premium tax credits still apply for incomes from 100% to 400% of the federal poverty level, and Medicaid covers many lower-income adults in states that expanded it. During 2026 Open Enrollment, 29% of HealthCare.gov consumers picked a plan with a $0 monthly premium after tax credits (CMS 2026 Open Enrollment Report). A 60-second subsidy check reveals your actual cost. Check your subsidy →
What states does FreedInsure serve?
41 states plus DC. Our licensed agent, Constantino Lardi (NPN 20230457), holds a resident license in New York and non-resident licenses across 41 additional jurisdictions. Our largest markets are Texas, Florida, Georgia, Tennessee, and Mississippi.
Can I enroll outside of Open Enrollment?
Yes, in several ways: If you have a qualifying life event (job loss, marriage, baby, turning 26, moving), you have a 60-day Special Enrollment Period for ACA. You can also apply for private PPO plans, and for short-term medical where your state allows it, outside Open Enrollment, but approval depends on each plan’s eligibility and underwriting rules and the start date depends on the plan. Supplemental, life, and dental/vision coverage can be applied for any time of year. Medicaid has no enrollment window. Qualifying events →
What types of insurance does FreedInsure offer?
ACA/Marketplace health insurance, PPO plans, short-term medical, life insurance (term, whole, IUL, final expense), supplemental insurance (hospital indemnity, critical illness, accident, disability income), and dental and vision. We do NOT handle Medicare or Medicaid applications, but we can help determine your eligibility.
How do I get started?
Call (844) 788-3733 or submit the form above. A licensed advisor will check your subsidy eligibility, compare plans from 14+ carriers, and help you enroll. Your insurer sends your ID card after you enroll and pay your first premium.

Ready to Get Covered?

$0-premium plans for some people who qualify. 14+ carriers compared. Licensed agent. No fee to you.

Check My Subsidy →
Or call us directly: (844) 788-3733