Individual & family plans
ACA Marketplace coverage for you, your spouse and your kids, including the premium tax credits that lower your monthly bill.
ACA health insurance plansLicensed · Nationwide · No cost to you
Find the right health coverage in minutes, not hours.
McIntosh Insurance Group helps individuals, families and small businesses find health coverage that actually fits. No jargon, no pressure, and no cost for our help.
- Licensed agents
- Free, no-obligation quotes
- Help all year, not just open enrollment
Prefer to talk? Call 1-866-886-2986 · Mon–Sat 9–5, Sun 12:30–5 (Eastern)
What we help with
Coverage for every stage of life and business
We compare the plans available in your ZIP code, explain the trade-offs and handle the enrollment paperwork with you.
Small business & group
Group health plans and health reimbursement arrangements (ICHRA and QSEHRA) for owners who want to look after their team.
Small business health insuranceLost coverage or a life change?
Losing job-based coverage, moving, marriage or a new baby can open a special enrollment period. We’ll check whether you qualify.
When you can enrollHow it works
Three steps to the right plan
Answer two questions
Tell us whether you have coverage now and what you’re looking for. It takes about a minute.
We compare your options
A licensed agent reviews the plans in your area against your doctors, prescriptions and budget, and checks your savings.
You choose with confidence
We walk you through the differences in plain English, then help you enroll. No pressure and no fee.
2027 open enrollment
Open enrollment runs November 1, 2026 to January 15, 2027
That’s the window for HealthCare.gov states, including Florida. Choose a plan by December 15 for coverage that starts January 1. Enroll between December 16 and January 15 and coverage starts February 1. States that run their own exchange can set different dates.
Subsidies changed in 2026 and the rules keep moving, so it pays to review your plan instead of letting it renew on autopilot.
- Licensed agentsGuidance from licensed professionals, not a call-center script
- Always freeInsurers pay us, never you. Your premium is the same either way
- Fast answersReal quotes for your ZIP code, not a runaround
- Year-round helpBilling questions, plan changes and life events after you enroll
Why use an agent
The Marketplace is easy to browse and hard to compare
Every plan covers the same essential benefits. What differs is the price, the network and what you pay when you actually need care. That’s where we help.
- The full cost, not just the premium. We weigh deductibles, copays and out-of-pocket limits against how often you use care.
- Your doctors and prescriptions. We check networks and drug lists before you enroll, so there are no surprises later.
- Every dollar of savings. We estimate your premium tax credit and check whether a Silver plan with cost-sharing reductions beats a cheaper Bronze plan.
- Accurate income estimates. Starting with 2026 coverage there’s no cap on paying back extra subsidy at tax time, so getting the estimate right matters more than ever.
- Someone to call afterward. We stay your agent through the year, not just on enrollment day.
Health insurance news
Rules change. We keep track so you don’t have to.
Plain-English articles checked against HealthCare.gov, CMS and IRS sources.
ACA Open Enrollment 2027: Key Dates & Subsidy Changes
Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov. Here are the deadlines, the subsidy rules and what changed this year.
How to Choose the Right ACA Health Insurance Plan for 2027
A step-by-step way to compare 2027 Marketplace plans: estimate your income, pick the right metal tier, check your doctors and drugs, and add up the full yearly cost.
Why Health Insurance Premiums Increased in 2026
Most Marketplace enrollees paid more in 2026 because the extra subsidies expired and insurers raised prices. Here's what happened, and what you can do about it for 2027.
Questions
Common questions
Does it cost anything to use McIntosh Insurance Group?
No. Insurance companies pay agents a commission when you enroll, and your premium is the same whether you use an agent or enroll on your own. Quotes and advice are free, with no obligation.
Can I keep my doctor?
It depends on the plan’s network. Before you enroll, we check whether your doctors, hospitals and prescriptions are covered by the plans you’re considering.
Can I get coverage outside open enrollment?
Yes, if you have a qualifying life event such as losing other coverage, moving, getting married or having a baby. You usually have 60 days from the event to enroll. Medicaid and CHIP accept applications all year.
Do you help small businesses?
Yes. We help employers compare small group health plans and reimbursement options like ICHRA and QSEHRA. See our small business page.
Do you sell Medicare plans?
No. We focus on individual, family and small business coverage. Our Medicare articles are general information; for free, unbiased Medicare counseling in Florida, contact SHINE at 1-800-963-5337.
Free, no-obligation quote
Talk to a licensed agent who works for you.
Tell us who needs coverage and what matters most. We compare the plans available where you live, explain the trade-offs in plain English and help you enroll. Our help costs you nothing.
Get my free quote
1-866-886-2986 Mon–Sat 9am–5pm · Sun 12:30pm–5pm