Prefer to run the numbers yourself? These are the same licensed tools we use — quote ACA marketplace plans, short-term coverage, and supplemental benefits at your own pace. Same filed prices as anywhere else, and a licensed agent is one call away if you want a second opinion.
Two minutes on our ACA subsidy calculator tells you roughly what tax credit you qualify for — so you know whether marketplace plans or private options are your better starting point.
Premium, deductible, copays, coinsurance, out-of-pocket max. Our free Buyer's Guide explains them in plain language, and the Ancillary Guide covers dental, vision, and the extras.
Pick the tool that matches your situation — ACA marketplace for subsidized major medical, short-term or supplemental for gaps — and run your own quotes. Prices are identical to buying anywhere else.
These tools run through our licensed-agent accounts, so if you stall halfway, one call picks up exactly where you left off — free, no pressure, and the price doesn't change.
Two licensed platforms, two different jobs. All quotes reflect the same regulator-filed rates you'd get direct from the carrier or on HealthCare.gov — using these links just means a licensed agent stays attached to your enrollment for free help later.
Producer licensure & where we can help you. Zuriel Kinlock is licensed as an insurance producer in 23 states: AL, AR, AZ, FL, GA, IN, IA, KS, KY, LA, MI, MS, MO, MT, NV, NH, NC, ND, OK, PA, SC, TX, VA. His solicitation and enrollment activities are limited to the states in which he is licensed and appointed, and to the products he is authorized to offer in each of those states — as required by state law and by the carriers he represents. If you live outside these states, we can't sell you a policy, but we're happy to point you to a licensed agent who can.
The big one. Quote every ACA marketplace plan in your ZIP code, apply your subsidy in real time, and enroll fully online. Same plans and prices as HealthCare.gov — a CMS-approved enrollment partner with a much friendlier interface.
Short-term medical, hospital indemnity, accident, and critical-illness plans from the Allstate Health (National General) family — often the sharpest pricing on supplemental bundles that pair with a high-deductible plan.
Short-term and supplemental products are not ACA-compliant major medical: they can decline applicants, generally exclude pre-existing conditions, and don't cover all essential health benefits. They bridge gaps — they don't replace comprehensive coverage.
| Your situation | Start here |
|---|---|
| I qualify for a subsidy (or think I might) and need real coverage | Calculator → HealthSherpa |
| I'm between jobs and need coverage this week | Short-term coverage — call for options in your state |
| I missed open enrollment and have no qualifying event | Short-term bridge now, marketplace in the fall |
| I have health coverage but no dental, vision, or hospital cash | Supplemental coverage — read the Ancillary Guide first |
| I'm turning 65 within a few months | Medicare options — different rules entirely |
| Honestly, I'm not sure | Call (561) 660-9102 — 10 minutes, free, no pressure |
The people who get the best deals aren't the ones who click fastest — they're the ones who know their subsidy number and their five plan numbers before they start. Both take minutes:
Household size, income, ZIP — out comes your estimated premium tax credit and what a benchmark plan would cost you. Start here before quoting →
Deductibles, tiers, enrollment windows, and the classic mistakes — everything you need to self-quote with confidence. Read it online or get the printable PDF →
What supplemental products actually pay, what they exclude, and how to spot a discount plan pretending to be insurance. Pairs with the Allstate Health tool above →
Who's cheapest in your state, what changed for 2026, and the local quirks — like states where gold beats silver — that DIY shoppers usually miss →
No. Health insurance premiums are filed with state regulators and are identical whether you enroll through an online tool, directly with the carrier, on HealthCare.gov, or with a licensed agent. These tools run through licensed-agent accounts, which means you also get a real person to call for help after you enroll — at no extra cost.
HealthSherpa is one of the largest CMS-approved enhanced direct enrollment partners of HealthCare.gov. You see the same ACA marketplace plans and the same subsidies as HealthCare.gov — the same enrollment, in a simpler interface. Millions of Americans enroll through it every year.
They're real insurance, but a different kind. Short-term and supplemental plans are not ACA-compliant major medical: they can decline applicants, generally don't cover pre-existing conditions, and don't include all essential health benefits. They're designed to bridge gaps — between jobs, or while you wait for open enrollment — not to replace comprehensive coverage.
Call (561) 660-9102. Because the tools run through Zuriel Kinlock's licensed-agent accounts, he can see where you are, finish the comparison with you, and complete the enrollment — free, with no change in price and no obligation.
Run your own quotes, take your time, compare everything — and if you want a licensed second opinion before you click "enroll," it costs exactly nothing. Most calls take about 10 minutes.
No cost. No pressure. No obligation to enroll. Licensed in 23 states.
Important: The platforms and insurers linked from this page are independent third parties; Smooth Health Solutions does not control their websites, tools, or underwriting decisions. Zuriel Kinlock is licensed as an insurance producer in the 23 states listed above and solicits only where licensed and appointed. Quotes obtained through the links on this page are processed through his licensed-agent accounts at no additional cost to you; premiums are identical to enrolling directly. Short-term, fixed-indemnity, and supplemental products are not ACA-compliant comprehensive major medical coverage, are not minimum essential coverage, may decline applicants, and generally exclude pre-existing conditions — review plan documents carefully before purchasing. Using this page does not guarantee enrollment, eligibility, savings, approval, or specific benefits, and there is no obligation to enroll. Smooth Health Solutions is not connected with or endorsed by the U.S. government, the federal Medicare program, CMS, HealthCare.gov, or any government agency. Plan availability, benefits, premiums, and eligibility vary by plan, carrier, location, and individual circumstances.