Question 1

Who qualifies for a $10/month health plan?

Accepted Answer

Many households with income between roughly 100% and 250% of the federal poverty level qualify for advance premium tax credits large enough to bring a Marketplace plan down to $10 per month or less. Your exact amount depends on household size, income, ZIP code and the plans available in your area. The fastest way to find out is our free 30-second eligibility check.

Question 2

Is Estagacy Insurance Group a licensed agency?

Accepted Answer

Yes. Estagacy Insurance Group is a licensed health insurance agency and a DBA of Wealtharq Advisors LLC, based in Orlando, Florida. Our agents are licensed in the states we serve and help you compare ACA Marketplace plans from multiple carriers. We are not affiliated with, endorsed by, or operated by the federal government, Healthcare.gov, or the Centers for Medicare & Medicaid Services.

Question 3

Does it cost anything to use your service?

Accepted Answer

No. Our guidance and enrollment help are completely free to you. We are compensated by the insurance carriers, so your premium is exactly the same whether you enroll with our help or on your own.

Question 4

What is ACA health insurance?

Accepted Answer

ACA health insurance refers to individual and family plans offered through the Health Insurance Marketplace created by the Affordable Care Act. Every plan covers essential health benefits such as doctor visits, emergency care, hospital stays, maternity care, mental health services and prescription drugs, and no one can be denied coverage or charged more because of a pre-existing condition.

Question 5

How much can I save with an ACA subsidy?

Accepted Answer

It depends on your household size and income. Most Marketplace enrollees receive an advance premium tax credit, and 8 out of 10 people may qualify for coverage starting at $10 per month or less. Many households save hundreds of dollars per month — often thousands per year. Our eligibility check estimates your subsidy, monthly premium and annual savings instantly.

Question 6

Can I get coverage if I'm self-employed or a gig worker?

Accepted Answer

Absolutely. Freelancers, independent contractors, gig workers and small business owners are among the most likely to qualify for significant ACA subsidies, because eligibility is based on your household income rather than access to an employer plan.

Question 7

Can I get a plan if I have a pre-existing condition?

Accepted Answer

Yes. Under the Affordable Care Act, insurance companies cannot deny you coverage, refuse to pay for essential benefits, or charge you more because of a pre-existing condition such as diabetes, asthma or a past cancer diagnosis.

Question 8

Which states do you serve?

Accepted Answer

We are licensed to help clients in Florida, Texas, Tennessee, Indiana, Ohio, North Carolina, South Carolina, Missouri, Colorado and New York. Plan availability and pricing vary by ZIP code within each state.

Question 9

When can I enroll in an ACA plan?

Accepted Answer

Open Enrollment for 2027 coverage runs November 1 to December 15, 2026 in states that use HealthCare.gov. Enrolling by December 15, 2026 gives coverage starting January 1, 2027. New York (NY State of Health) and Colorado (Connect for Health Colorado) run their own marketplaces with their own deadlines; check your state's Open Enrollment dates or call (407) 974-5101 and we will confirm them. Outside Open Enrollment, you can still enroll if you qualify for a Special Enrollment Period — for example after losing other coverage, getting married, having a baby, or moving.

Question 10

What if I already have health insurance?

Accepted Answer

You can still benefit. Many people with an existing Marketplace, employer, private or other plan discover they qualify for lower premiums or better benefits. Our licensed agents can compare your current coverage against available options at no cost to you.

Question 11

What information do I need to check my eligibility?

Accepted Answer

Just the basics: your state and ZIP code, the type of coverage you're looking for, your household size and an estimate of your annual income. The online check takes about 30 seconds and requires no documents.

Question 12

What happens after I submit my information?

Accepted Answer

Your eligibility review is sent straight to a licensed agent, who will contact you by phone, text or email to confirm your details, review plan options that fit your budget, and help you complete enrollment if you decide to move forward. There is never any obligation.

Question 13

Is my personal information secure?

Accepted Answer

Yes. Your information is transmitted securely and used only to prepare your eligibility review and connect you with a licensed agent, as described in our Privacy Policy. We never sell your health information.

Question 14

Do the plans cover prescriptions and doctor visits?

Accepted Answer

Yes. All ACA Marketplace plans cover essential health benefits, including primary and specialist visits, preventive care at no extra cost, emergency services, hospitalization, prescription drugs, lab work, and mental health care. Specific copays and deductibles vary by plan.

Question 15

How is this different from Healthcare.gov?

Accepted Answer

We are an independent licensed agency — not a government website. We help you compare the same Marketplace plans, but with one-on-one guidance from a licensed agent who answers your questions, checks your subsidy and walks you through enrollment, all at no cost to you.

Question 16

How do I get started?

Accepted Answer

The quickest way is our free 30-second eligibility check — you'll see your estimated subsidy, premium and savings right away. Prefer to talk first? Call us at (407) 974-5101 to speak with a licensed agent.

Affordable health insurance, answered.

Still have questions? Get your free eligibility check.