Cavin compares ACA Marketplace plans and private health insurance side by side — so you know exactly what you're choosing and why.
Federal and state health insurance plans available through the Affordable Care Act. Subsidies based on income can dramatically reduce your monthly premium — sometimes to $0.
Plans purchased directly from insurance carriers, outside the Marketplace. Often offer lower premiums or access to broader provider networks — depending on your health profile.
Temporary coverage for people between jobs, waiting for open enrollment, or in a coverage gap. Not a substitute for comprehensive coverage — but a real option when you need a bridge.
Income, health history, where you live, how many people you're covering, and what you can spend monthly — all of it matters. That's why a 20-minute conversation is worth more than any online comparison tool.
Which of these fits also depends on who you are — a 1099 contractor, someone between jobs, and a family of four get different answers from the same plan menu. See the situation that matches yours.
State lines matter more than most people expect. Seven of the 29 states I'm licensed in run their own health insurance marketplace instead of healthcare.gov — Colorado, Georgia, Illinois, Kentucky, Maryland, Nevada, and Virginia — each with its own deadlines. Ten of them have not expanded Medicaid, which changes what's available to lower-income households. And short-term plan rules differ state by state. The right answer in Texas is often not the right answer in Maryland.
As of 2026, ACA subsidies cut off completely above 400% of the federal poverty level — $62,600 for a single person, $128,600 for a family of four. Above that line you pay the full premium, and a non-Marketplace plan may genuinely cost less. Cavin runs both sets of numbers before recommending anything.
ACA plans cover pre-existing conditions — always. A private plan might not. That changes the math significantly.
Cavin checks before recommending a plan. Keeping your doctor matters, and it's part of the comparison process.
Correct. Brokers are compensated by the insurance carrier, not by you. The price of a plan is the same whether you use a broker or enroll directly.
That's exactly what the free call is for. 20 minutes and you'll know.
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