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Health insurance guidance center.

Plain-English articles on subsidies, COBRA alternatives, short-term plans and enrollment deadlines — written by a licensed agent, not a content farm.

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Health Enrollment Center is operated by Sprinter Insurance Agency LLC. We are not a government marketplace.

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A person reviewing ACA subsidy eligibility and health insurance costs

ACA & Subsidies

How to Qualify for ACA Subsidies and Lower Your Costs

Learn how ACA subsidies work, who qualifies, and how to lower your monthly health insurance costs with financial assistance.

February 25, 2025 · 7 min read

Comparing COBRA alternative health insurance options side by side

COBRA Alternatives

5 Mistakes to Avoid When Choosing a COBRA Alternative

Avoid costly mistakes when selecting a COBRA alternative. Learn how to find better, more affordable health insurance options.

February 21, 2025 · 6 min read

Switching from COBRA to a more affordable health insurance plan

COBRA Alternatives

How to Switch from COBRA to a More Affordable Health Plan

Need to transition from COBRA to a new health plan? Learn how to switch smoothly and find affordable alternatives.

February 18, 2025 · 6 min read

Reviewing short-term health insurance plan options

Short-Term Medical

Short-Term Health Insurance: How to Choose a Plan

Need temporary health coverage? Understand how short-term health insurance works, what it costs, what it excludes, and when an ACA plan is the better choice.

February 10, 2025 · 6 min read

COBRA versus ACA marketplace health insurance comparison

COBRA Alternatives

COBRA vs. ACA: Which One Should You Choose?

Discover whether COBRA or ACA marketplace plans are the best fit for you. Compare costs, benefits, coverage and enrollment deadlines.

February 1, 2025 · 7 min read

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THIS IS NOT A GOVERNMENT WEBSITE. Health Enrollment Center is operated by Sprinter Insurance Agency LLC, a licensed insurance agency. We are not HealthCare.gov, not a state-based marketplace or state exchange, and not affiliated with any government agency. We offer enrollment assistance for ACA marketplace plans as well as private, short-term medical, and supplemental products.

Affordable Care Act (ACA): Plans must cover ten Essential Health Benefits to be recognized as a Qualified Health Plan (QHP). Premium tax credits are subject to eligibility requirements determined by the Marketplace. We do not display every Qualified Health Plan offered through the Marketplace — you can view all available plans and enroll for free at www.HealthCare.gov or your state exchange, 1-800-318-2596 (TTY 1-855-889-4325).

Short-Term Medical (STM): STM plans do not provide comprehensive medical coverage and do not satisfy minimum essential coverage under the ACA. They typically do not cover pre-existing conditions and may have benefit limits.

Fixed/Limited Indemnity: Indemnity plans are supplemental, not a replacement for major medical insurance. Discount cards, where offered, are not insurance and pay no benefits.

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