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Best for ACA marketplace + private plans (subsidies possible) Top offer

Get Me Health Insurance

Credit requirement: None See My Plans on Get Me Health Insurance’s secure site

Plan typesACA + private
SubsidiesYes
HelpLicensed agent
QuoteFree

Why you’ll like this: a licensed agent helps you find both subsidized marketplace and off-exchange plans - one call, full picture.

No medical exam Coverage begins immediately when you qualify

Best for final expense coverage (seniors 50+)

BurialInsurance.com Final Expense

USARateHub score 4.0

Credit requirement: None See My Rate on BurialInsurance.com’s secure site

Starting$9.95/mo
Coverage$1K-$25K
Medical examNone
Rate lockLifetime

Why you’ll like this: no medical exam - coverage begins immediately and the rate locks for life when you qualify.

Side by side

For August 2026, Get Me Health Insurance is the broadest starting point - a licensed agent compares ACA marketplace and private plans, and subsidies can bring premiums to $0/mo for eligible households - while BurialInsurance.com covers final expense needs for seniors 50+, from $9.95/mo with no medical exam. Both quotes are free.

Published ranges as of 3 June 2026. Your rate depends on your profile.
Provider	Best for	Starting	Plans / coverage	Quote
Get Me Health Insurance	ACA marketplace + private plans	See your plans	ACA + private	Free
BurialInsurance.com	Final expense (seniors 50+)	From $9.95/mo	$1K-$25K	Free

How we ranked these

We compared published starting costs, coverage amounts, plan types, medical-exam requirements and whether quotes are free across the two providers, as published on 3 June 2026. Ranking is editorial: compensation from partners affects which providers appear and can affect order. Plan availability and pricing vary by state, age and tobacco use, and subsidies depend on household income - your figure depends on your profile and the plan you choose. Full detail in our editorial policy.

What families ask

Can I enroll in health insurance outside open enrollment?

Often, yes. Qualifying life events - losing other coverage, moving, getting married, having a child - open a special enrollment period on the ACA marketplace, and some private and off-exchange plans accept applications year-round. A licensed agent can confirm which route applies to you.

How do ACA subsidies actually work?

Marketplace subsidies are advance tax credits that lower your monthly premium based on household income and family size. For eligible households they can bring a plan’s cost to $0/mo. The discount is applied when you enroll, not claimed back later at tax time.

What is final expense insurance and who needs it?

Final expense is a small whole-life policy sized to cover funeral and end-of-life costs rather than replace income. It is aimed at seniors, underwriting is light - the plan listed here requires no medical exam - and the premium locks in for life once you qualify.

Does applying for health insurance affect my credit score?

No. Health plans are priced on age, location, household size and tobacco use, not on your borrowing history. Requesting quotes does not create a hard inquiry, so you can compare as many plans as you like without any effect on your score.