Licensed in 45+ States

Find affordable individual & family health insurance plans.

We shop top carriers nationwide to match you with the right plan for your health needs, budget, and goals — with no pressure, ever. Plans can start as low as $9 per week.

No pressure, ever
Licensed & trusted
Customized to you
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Takes ~2 minutes · No obligation · We never sell your information

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ACA Marketplace vs. Private PPO

Which health insurance route fits you?

As a licensed broker I sell both. The right path depends on your income, health, and how much flexibility you need. Here’s the honest, side-by-side breakdown for 2026 — plus a 30-second tool that points you to the better fit.

Government Marketplace

ACA / Obamacare

Best for subsidy-eligible households & anyone with ongoing care

Subsidies
Yes — premium tax credit if income is 100–400% of FPL (2026: ~$15,960–$63,840 single; ~$33,000–$132,000 family of 4)
Health questions
None — guaranteed issue, cannot be denied
Pre-existing
Covered in full, no waiting period
Benefits
10 essential health benefits, out-of-pocket caps
Networks
Often HMO/EPO; narrower doctor lists
Enrollment
Open enrollment Nov 1–Jan 15, plus qualifying life events

Note for 2026: the enhanced ARPA subsidies expired, so the 400%-of-FPL “cliff” is back — above it you get no subsidy. If your income is under ~400% FPL, this is almost always the cheaper route.

Off-Exchange / Private Market

Private PPO

Best for higher incomes, self-employed & broad-network needs

Subsidies
No — you pay full premium (income isn’t a factor)
Health questions
ACA-compliant PPO: none. Short-term plans: yes (underwritten)
Pre-existing
ACA-compliant PPO: covered. Short-term: often excluded
Benefits
ACA PPO: full. Short-term: limited, lower caps
Networks
Large PPO networks, more specialists, nationwide access
Enrollment
Year-round — no enrollment window required

Strong fit for business owners and 1099 contractors earning above 400% FPL (no subsidy to lose), anyone who wants specific doctors, or those bridging a gap between jobs.

Which route fits you? ~1 minute

Tell me your household details and I’ll compute whether the ACA Marketplace or a Private PPO saves you more — using real 2026 FPL subsidy limits.

1. Who needs coverage?
3. Annual household income
$

This decides subsidy eligibility. 2026 FPL = $15,960 + $5,680 per extra person; premium tax credits apply up to 400% of FPL.

4. Your health
5. Work situation
6. Where should I send your results?

Your recommendation and household details go straight to Yasmany. We never sell your information.

This is a general guide, not enrollment advice. I’ll confirm exact eligibility and pricing on our call.

Get my free side-by-side quote

Carrier access includes

Carrier availability varies by state and county. MedaHealth Associates is an independent broker and is not affiliated with, or endorsed by, any carrier.

Our Services

Coverage for every stage of life.

Individual Health Plans

Affordable coverage tailored to your lifestyle and budget.

Family Coverage

Protect the people who matter most with the right family plan.

Life Insurance

Term and whole life options that protect your family’s future.

Medicare Supplement

Fill the gaps in traditional Medicare coverage.

Dental Insurance

Plans that keep your smile healthy and affordable.

Vision Insurance

Eye exams, glasses, and contacts covered.

Small Business Plans

Group coverage packages for your team.

Annuities & Supplemental

Plan for the long term and fill coverage gaps.

Life Insurance

Protect what matters most.

Life insurance is one of the most important financial decisions you’ll ever make — and it’s more affordable than most people think. Whether you want to replace income, pay off a mortgage, secure your children’s future, or leave a legacy, the right policy brings peace of mind that your loved ones are protected no matter what.

  • Term Life — maximum coverage for the years you need it most, at the lowest cost.
  • Whole Life — lifelong protection that builds cash value over time.
  • Final Expense — covers funeral and end-of-life costs so your family isn’t burdened.
  • Key Person & Buy-Sell — protects your business if a partner or key employee passes.
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For the Self-Employed, Entrepreneurs & Business Owners

Don’t qualify for Obamacare? You’re in the right place.

If you earn too much for ACA subsidies — or you’re a business owner, sole proprietor, entrepreneur, independent contractor, owner-operator, physician, or dentist who needs real coverage and real protection — we build plans that actually fit your life and income.

Owner-Operators & Commercial Drivers

Nationwide PPO networks that work across state lines, plus term life to protect your family’s income while you’re on the road.

Doctors & Dentists

Private PPO, whole-life cash-value policies, and key-person coverage that protects your practice, your family, and your legacy.

Small Business Owners

Group plans for 2–50 employees that help you attract and keep great staff — with life and disability options for your key people.

Contractors & 1099s

Affordable short-term medical, indemnity, and PPO plans for off-exchange coverage — plus life insurance tailored to your income.

Get My Custom Quote

Why MedaHealth

Getting insurance should feel personal, not painful.

No Pressure, Ever

We’re here to help you understand your options — not to sell you something you don’t need.

Licensed & Trusted

Our agents are fully licensed and experienced in matching clients with the right plans.

Customized to You

We take the time to learn about your health needs, budget, and goals to offer the best fit.

Nationwide Coverage

No matter where you live, we can help — we work with top carriers in 45+ states.

“MedaHealth took the time to really listen to what I needed. I felt truly heard.”

★★★★★

“I saved over $400 this year. They explained every step and made it painless.”

★★★★★

“No pressure. Just honest advice and support. I trust MedaHealth completely.”

★★★★★
Portrait of Yasmany Valdes, licensed health & life insurance advisor

Meet Your Advisor

Yasmany Valdes

Nationally Licensed Health & Life Insurance Advisor

I’m an independent, licensed insurance advisor with direct access to the nation’s top carriers — including Blue Cross Blue Shield, UnitedHealthcare, Aetna, Cigna, Mutual of Omaha, Americo, Aflac, Allstate, and Corebridge Financial. That means I shop the market for you and find the plan that fits your life, your health needs, and your budget — not the one that pays the highest commission.

I’m licensed to discuss and sell ACA / Obamacare Marketplace plans, private PPO, Medicare Supplement, life, dental, vision, and group coverage across 45+ states. No call centers, no pressure — just honest, personalized guidance from someone who knows the market inside and out.

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or get a free quote first ↓

Common questions

Answers before you ask.

Are the prices the same as on Healthcare.gov?

Yes. As a licensed broker I quote the exact same ACA plans and premiums you'd find on the federal Marketplace. The difference: I compare every carrier side by side and apply your subsidy automatically.

Do I qualify for a $0 or low-cost plan?

Many people do. ACA subsidies (premium tax credits) scale with household income and family size. People earning roughly 150–250% of the Federal Poverty Level often see premiums drop to $0–$10/month after subsidies. Answer the quick form and I'll show you your number.

When can I enroll?

ACA Open Enrollment runs November 1 – January 15 each year. Outside that window you can still enroll if you have a qualifying life event: losing job-based coverage, moving, marriage, divorce, a new baby, turning 26, or income changes.

What's the difference between ACA and private PPO?

ACA (Marketplace) plans are subsidized and guaranteed-issue, with income-based tax credits. Private PPO plans are off-marketplace, often with wider doctor networks, but without subsidies. I'll show you both so you can compare total cost vs. network.

Is there a cost to use a broker?

No. Brokers are compensated by the insurance carriers, not by you. You never pay more for a plan by using a broker — and you get free help with enrollment, claims, and annual reviews.

Which states are you licensed in?

We're licensed and helping clients across 45+ states. Enter your ZIP in the quote form and we'll confirm the best carrier options available where you live.

Prefer to talk?

Book a time that works for you.

Schedule a free 30-minute consultation with Yasmany. Get personalized plan comparisons, coverage guidance, and real answers — no obligation, no pressure.

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Prefer a quote first? Start your free quote and we’ll reach out within 1 business hour.

Find your plan in 2 minutes.

No pressure, no obligation. Just honest advice and real options.

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