Free quotes from licensed agents: 888-939-8482
Blue Cross Blue Shield Cigna United Healthcare Molina Healthcare CareSource AmeriHealth Caritas Allstate Ethos Blue Cross Blue Shield Cigna United Healthcare Molina Healthcare CareSource AmeriHealth Caritas Allstate Ethos
Licensed & Certified Agents

You May Qualify for a $0 Premium Health Plan

Millions of Americans under 65 are eligible for tax credits that cover most — or all — of their monthly premium. Enter your ZIP code to see what's available in your area.

8+
Insurance Carriers
$0
Cost to Use Us
Year-Round
Agent Support
See Your Plan Options
Answer a few questions — takes about 2 minutes.
Let's find plans in your area.
Individual
Family
Tell us about your household.
Health & eligibility
Yes
No

Examples: loss of insurance, marriage, birth of a child, moved to a new state

Your address
Almost done — how can we reach you?
What ACA Plans Cover
Doctor Visits & Preventive Care
Prescription Drug Coverage
Hospital & Emergency
Maternity & Newborn
Mental Health & Substance Abuse
Why Vital
Your Agent, Not a Call Center

When you work with Vital, you get a dedicated licensed agent who knows your situation — not a 1-800 number that sends you to whoever's available.

One Dedicated Agent

No transfers, no hold music, no starting over. Your assigned Vital agent knows your plan and picks up when you call.

8+ Top Carriers

We compare ACA and private plans from Blue Cross, Cigna, United, Molina, and more — so you get the best fit, not just one company's product.

Year-Round Support

Need help understanding benefits, finding a doctor, or dealing with a claim? We're here all year — not just during Open Enrollment.

Zero Spam. Guaranteed.

We never sell your data to third-party lead buyers. You'll only hear from your assigned Vital agent — period.

Know the Difference
Don't Get Stuck with a Junk Plan

Some companies sell limited-benefit plans that look cheap but leave you exposed when you actually need care. Here's how to tell the difference.

Red Flags to Watch For

If any of these sound familiar, you may have been enrolled in a plan that doesn't provide real coverage:

  • You were told you have "full coverage" but your plan has a daily hospital cap
  • Your prescriptions aren't covered or cost more than expected
  • The agent who enrolled you is unreachable when you have questions
  • You weren't told about ACA tax credits you may have qualified for
Think you have a junk plan? Call us.
Limited-Benefit Plan ACA Marketplace Plan
Daily/annual caps on benefitsNo annual or lifetime maximums
Pre-existing conditions excludedGuaranteed issue — no exclusions
Little or no Rx coveragePrescription drug coverage included
Not eligible for tax creditsMay qualify for $0 premium
No maternity or mental healthAll 10 essential benefits covered
Not ACA-compliant coverageMeets ACA minimum essential coverage
Client Stories
What Our Clients Say
★★★★★

"I had no idea I qualified for a $0 premium ACA plan. My Vital agent walked me through everything in 15 minutes."

Maria R.
Orlando, FL
★★★★★

"Another company enrolled me in a plan that didn't cover my prescriptions. Vital switched me to a real ACA plan and saved me $200 a month."

James T.
Tampa, FL
★★★★★

"What I appreciate most is that when I call, my agent actually answers. I've never had that with insurance before."

Sandra K.
Miami, FL
Coverage Options
Health Plan Options for Under 65

We help you compare the right type of plan for your situation — and explain what each one actually covers.

ACA Marketplace

ACA Plans

Comprehensive coverage through the Health Insurance Marketplace. May qualify for tax credits that reduce your premium to $0.

  • All 10 essential health benefits
  • No pre-existing condition exclusions
  • Prescription, maternity, mental health
  • Eligible for premium tax credits
Supplemental

Fixed Indemnity Plans

Large PPO networks reprice bills and pay a fixed dollar amount for services like hospital stays, doctor visits, labs, and wellness.

  • Broad PPO provider networks
  • Fixed payments for covered services
  • Can supplement primary insurance
Not an ACA plan. Does not cover maternity or substance abuse treatment.
Temporary

Short Term Plans

Fill a temporary coverage gap with lower premiums. Ideal for COBRA-eligible, employer waiting period, early retirement, or self-employed situations.

  • Lower monthly premiums
  • Fast approval, quick start dates
  • Flexible term lengths
Not an ACA plan. Does not cover maternity or substance abuse treatment.

Not Sure Which Plan Is Right for You?

Talk to a licensed agent — it's free, takes 10 minutes, and there's no obligation.

Call 888-939-8482 Get a Free Quote
Common Questions
Frequently Asked Questions
It depends on your household size and income. Many people earning up to $60,000 (individual) or more (families) qualify for significant tax credits that can reduce premiums to $0. Fill out the form above or call us and we can check your eligibility in minutes.
No. Our services are completely free to you. We're compensated by the insurance carriers when you enroll in a plan — your premium is the same whether you use us or go directly through Healthcare.gov.
Yes — if you've experienced a qualifying life event (QLE) in the past 60 days, such as losing insurance, getting married, having a baby, or moving to a new state, you can enroll in an ACA plan through a Special Enrollment Period. Call us and we'll help determine if you qualify.
ACA plans provide comprehensive, guaranteed-issue coverage with no pre-existing condition exclusions and are eligible for tax credits. Fixed indemnity and short-term plans can be useful in specific situations — supplementing ACA coverage or bridging a gap — but are not ACA-compliant, don't qualify for subsidies, and don't cover maternity or substance abuse. We'll help you understand which type fits your situation.
Absolutely not. We never sell your personal information to third-party lead buyers or telemarketers. When you submit your info on our site, only your assigned Vital agent will contact you. That's our guarantee.