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Compare ACA marketplace plans, short-term medical, dental, vision, and Medicare options from top-rated carriers. Free quotes in 60 seconds. Subsidies available for most households.

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Save Up to $500/yrWith ACA subsidies
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Insurance Plans

Health Coverage Options for Every Stage of Life

From individual ACA plans to Medicare and supplemental coverage, we help you find the right health insurance that fits your budget, your doctors, and your needs.

ACA Marketplace Plans

Obamacare-compliant plans with essential health benefits, preventive care, and prescription drug coverage. Subsidies available for qualifying households.

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Short-Term Medical

Flexible temporary coverage for gaps between jobs, waiting periods, or missed open enrollment. Fast approval, next-day coverage available.

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Medicare Advantage

All-in-one Medicare plans with extra benefits like dental, vision, hearing, and fitness memberships. $0 premium options available in most areas.

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Medicare Supplement

Medigap plans that cover out-of-pocket costs Original Medicare does not. Keep your doctors and hospitals with nationwide network freedom.

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Dental & Vision

Standalone or bundled dental and vision plans with no waiting periods on preventive care. Coverage for exams, cleanings, glasses, and contacts.

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Group & Small Business

Affordable group health plans for businesses with 1-50 employees. Tax credits available. Simplified enrollment and dedicated account management.

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Free Comparison Service
Why Families Trust Us

We Do not Just Sell Plans -- We Find the Right Fit

Apex Health Coverage has helped over 31,000 American families navigate the complex world of health insurance. Here is what sets us apart from every other marketplace.

Subsidies Calculated Instantly

Our agents calculate your ACA subsidy eligibility in real time. Most families qualify for $200-$800/month in premium tax credits they did not even know existed.

Doctor Network Matching

Tell us your doctors and prescriptions, and we only show plans that cover them. No surprises at the pharmacy counter or doctor's office.

Licensed, Unbiased Agents

Every agent is state-licensed and works with 50+ carriers. We are not tied to one company, so our only goal is finding the best plan for you.

Year-Round Support

Life changes? We help with special enrollment periods, plan changes, claims issues, and billing questions -- not just during open enrollment.

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Families Enrolled
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Simple Process

Insured in 3 Easy Steps

No confusing paperwork. No pushy sales tactics. Just straightforward health insurance guidance that saves you money and protects your family.

1

Get Your Free Quote

Fill out our 60-second form or call 844-414-1927. A licensed agent reviews your needs, doctors, prescriptions, and budget to find your best options.

2

Compare Side-by-Side

Review plans from 50+ carriers with premiums, deductibles, networks, and drug formularies clearly explained. Your agent calculates subsidies in real time.

3

Enroll & Get Covered

Sign electronically in minutes. Your coverage activates on your chosen effective date. Receive your ID cards and policy docs within 7-10 business days.

Real Stories

What Our Enrollees Say

Do not take our word for it. Here is what real families across America have to say about their experience with Apex Health Coverage.

"

I was paying $680 a month for a plan that barely covered anything. Apex found me an ACA plan with better coverage for $210 after subsidies. The agent walked me through every option and even called my doctor's office to confirm network status.

JW
Jessica W. MoranEnrollee in Austin, TX
"

Between jobs and panicking about losing coverage. Apex got me a short-term plan activated the next day for under $150 a month. When I found permanent work, they helped me transition to a group plan seamlessly. Lifesavers.

TK
Thomas K. DelgadoEnrollee in Chicago, IL
"

Turning 65 was overwhelming with all the Medicare options. My Apex agent spent an hour explaining Advantage vs. Supplement vs. Part D. She found a $0 premium Advantage plan that covers my cardiologist and all my medications.

RB
Rosemary B. ChenEnrollee in Tampa, FL
"

As a small business owner with four employees, group insurance seemed impossible. Apex found us a qualifying plan with tax credits that cut our costs by 60%. Enrollment took 20 minutes and my employees are thrilled.

MF
Marcus F. O'NeillBusiness Owner in Denver, CO
"

I missed open enrollment and thought I was stuck until January. The Apex agent found a special enrollment exception due to my recent move and got me covered within 48 hours. Their knowledge of the system is incredible.

AS
Amanda S. ReevesEnrollee in Seattle, WA
"

My son has asthma and needs expensive medication. Other agents pushed cheap plans that did not cover his inhalers. Apex found a Silver plan where his meds cost $15 instead of $280. They actually listened to what we needed.

LN
Laura N. HutchinsonEnrollee in Atlanta, GA

Ready to Find Your Perfect Health Plan?

Join thousands of American families who trust Apex Health Coverage. Get your free, no-obligation quote today -- no pressure, no gimmicks, just honest guidance and real savings.

Get My Free Quote Call 844-414-1927

Prefer to talk? Call us toll-free at 844-414-1927. Licensed agents available 24/7.

Common Questions

Everything You Need to Know

Got questions? We have got answers. Here is what most people ask before enrolling with Apex Health Coverage.

Family discussing health insurance with licensed agent
Do I qualify for ACA subsidies?

Most households earning between 100% and 400% of the federal poverty level qualify for premium tax credits. For 2026, that is roughly $15,000 to $60,000 for an individual and $31,000 to $125,000 for a family of four. Our agents calculate your exact subsidy in real time during your quote.

Can I enroll outside of open enrollment?

Yes, if you qualify for a Special Enrollment Period. Life events like losing other coverage, getting married, having a baby, moving, or divorce can trigger a 60-day window to enroll. Short-term plans are also available year-round with no qualifying event needed.

Will my current doctors be covered?

We verify network status for your specific doctors and hospitals before recommending any plan. Just provide us their names during your quote, and we will only show you plans where they are in-network. No surprises at the doctor's office.

What is the difference between HMO and PPO?

HMO plans require you to choose a primary care physician and get referrals for specialists, but typically have lower premiums and out-of-pocket costs. PPO plans offer more flexibility to see any doctor without referrals, but usually cost more. We explain both options and help you decide based on your health needs and budget.

Are my prescriptions covered?

Every plan we recommend includes a drug formulary check. We input your specific medications and dosages to find plans with the lowest copays or coinsurance for what you actually take. We also flag any prior authorization requirements so there are no surprises at the pharmacy.

Is your service really free?

Yes, 100% free. We are compensated directly by the insurance carriers, so you never pay a dime for our guidance. In fact, the premium you pay is identical whether you enroll through us, directly with the carrier, or on Healthcare.gov. The difference is you get expert help at no extra cost.