Health coverage without the runaround.
See real marketplace pricing for every plan in your ZIP, then talk to a licensed advisor who can enroll you in one call. Marketplace plan, private plan, or short-term — whatever actually fits your situation. Free to use. Carriers pay the commission, so you never pay more than buying direct.
Different lives need different strategies.
Most people don't need every plan — they need the right one for their situation. Start where you are.
Self-employed & 1099
Subsidies are based on net income after business expenses — not gross. The right filing changes what you pay.
Get my quote →Family plan too expensive at work
Employers subsidize the employee, not the family. Splitting coverage often saves hundreds per month.
Compare options →High earners, no subsidy
Above the subsidy line, only age and ZIP affect the premium. Here's how to shop off-exchange.
See private plans →Early retirees
Roth vs traditional withdrawals directly affect your subsidy. Bridge to Medicare without overpaying.
Bridge to Medicare →Small business owners
Group vs individual — plus the tax credit most small employers miss. Real numbers, both directions.
Run the numbers →Missed open enrollment
Life events, Medicaid, and private plans keep options open year-round. Here's how to enroll today.
Find your option →When you can enroll.
Open Enrollment opens
Coverage for plan year 2027 — the widest choice of plans, and the only stretch where anyone can enroll on the marketplace without a life event.
Deadline for Jan 1 start
Enroll by this date for coverage effective January 1, 2027. Cutting it close leaves you exposed if something happens the first week of the year.
Open Enrollment ends
After this date, a qualifying life event is needed to enroll on the marketplace.
Life events, Medicaid & private plans
Job loss, marriage, a baby, or moving opens a 60-day window. Medicaid enrolls anytime. Private plans enroll year-round.
Paola Noriega, founder of MarketplaceHQ.
MarketplaceHQ is an independent insurance agency based in Tampa, Florida, licensed in 20 states and growing to over 100 advisors nationwide. We work exclusively with individuals, families, and small business owners who want a real person to sit next to them through Open Enrollment — not a call center, not a lead marketplace.
Every quote comes from current CMS plan data. Every recommendation includes the honest tradeoff, not just the number that looks best on paper. Your information stays with our team — we never sell leads.
- Licensed: AZ, CO, FL, GA, IA, KS, LA, MI, MS, NC, NJ, NV, OH, OK, PA, SC, TN, TX, UT, VA
- Focus: ACA marketplace, private health, small group, and life-event enrollment
- Based in: Tampa, FL — serving clients nationwide by phone, text, and video
Built from CMS plan data, not marketing copy.
County-level coverage footprints. What each carrier actually offers where you live.
Blue Cross Blue Shield
Broadest footprintThe default carrier in most rural counties and a strong PPO option in metros. Network breadth varies by state affiliate.
Read review →Ambetter
Strong on marketplaceAggressive marketplace pricing with narrower networks. Best for healthy shoppers optimizing premium over choice.
Read review →UnitedHealthcare
Mostly HMO/EPOBack on the individual marketplace after several years off. Mostly HMO and EPO designs; check network carefully.
Read review →Oscar Health
Tech-forward, EPOBest-in-class app and virtual care. EPO-heavy lineup — great if your doctors are in-network, painful if not.
Read review →Molina Healthcare
100% HMOAll HMO, no PPO or EPO anywhere. Plan type matters if you may ever need out-of-network care.
Read review →All carrier reviews
Cigna, Humana, Aetna, Kaiser, and more — including which carriers exited the individual market this year.
See all →20 states. Built from CMS Plan Year 2027 data.
Real people. Real situations.
"Paola placed me in the right plan and it literally saved me. I had a $17,000 claim and paid $250 out of pocket."
"She found me first-class coverage for half of what the marketplace quoted me directly. Same quality, half the cost."
"My wife had a baby and we needed coverage fast. Paola's team enrolled us the same week and saved us $200/month."
What you're probably wondering.
How much does this cost me?
Nothing. Comparing plans and enrolling through MarketplaceHQ is free. Carriers pay the commission, and it's the same regardless of which plan you pick — so we have no incentive to steer you anywhere but the right plan. You never pay more than you would buying directly from the carrier.
Will my information be sold?
No. We are not a lead marketplace. Your information comes only to our advisor team. You'll get one call or text from us, and nothing after that unless you want it.
Can I get covered right away?
Usually within days. Private plans enroll year-round. Life events (job loss, marriage, a baby, moving) open the marketplace during the off-season for 60 days. Medicaid enrolls anytime if you qualify.
I have a pre-existing condition. What are my options?
The ACA marketplace is usually the best route — no one can be declined. That's the path we'll direct you toward. Private plans can underwrite, so we'll only look at those if it's clearly better for you.
Are you affiliated with healthcare.gov?
No. MarketplaceHQ is an independent, privately owned insurance agency. We're not connected to healthcare.gov, CMS, or any government agency. Everyone can also enroll for free directly at healthcare.gov if they prefer to shop on their own.
Get your free plan comparison.
Takes 60 seconds. We'll follow up by phone or text within one business day.
Thanks — we've got it.
A licensed advisor from MarketplaceHQ will reach out within one business day. If you'd like to talk sooner, call (813) 773-8213.