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Affordable Health Rates Tailored for You and Your Family
Finding quality healthcare coverage shouldn't mean choosing between your health and your budget. We connect you with affordable medical plans designed specifically for your unique situation and financial needs.
Medical Coverage That Fits Your Needs & Budget
Who We Serve
We specialize in helping small business owners, self-employed professionals, 1099 contractors, and families navigate the complex world of health insurance. Our mission is to make quality healthcare accessible and affordable for everyone.
Your Perfect Plan Awaits
Explore carefully curated plans designed to provide comprehensive care without the financial stress. From basic coverage to full family protection, we'll help you discover options that protect both your health and your wallet.
2026 Enrollment Approaching
2026 enrollment is the annual period when people can sign up for, change, or renew individual and family health plans (through the ACA marketplace or directly). New healthcare options are now available for small business owners and new start up companies.
Why Choose Affordable Health Rates?
Personalized Guidance
Our expert advisors take time to understand your unique lifestyle, health needs, and financial situation to match you with the perfect plan.
Comprehensive Options
Access a wide range of coverage including ACA Marketplace plans, short-term policies, and valuable supplemental benefits tailored to your needs.
Expert Support
Our knowledgeable agents simplify the enrollment process, answer every question, and provide ongoing support whenever you need assistance.
Affordable Plans & Savings
We search top carriers to find the lowest premiums, discounts, & subsidy opportunities so you can save the most money. Our Licensed Advisors run targeted searches across all major carriers & plans, then optimize for what matters most to you!
Who We Insure & Protect!
Small Business Owners
Whether you need group coverage for your team or individual plans, we'll help you find cost-effective solutions that keep your business and employees protected.
Individuals & Families
Comprehensive, affordable health insurance options that provide peace of mind and quality care for you and your loved ones, all within your budget.
Self-Employed & 1099 Workers
Flexible, budget-friendly plans designed for independent contractors and gig economy professionals who need reliable coverage without employer benefits.
Needing Only Dental or Vision Coverage?
Affordable, standalone dental & vision plans — exams, cleanings, contacts and frames covered at wallet-friendly rates. Fast quotes, no surprises.
Industry's Best Providers
We collaborate with a diverse network of top-rated insurance providers to bring you the best and most affordable health plans on the market.
How It Works: Simple Steps to Coverage!
Getting affordable health insurance has never been easier. Our streamlined process takes the confusion out of finding coverage and puts you on the path to protection in just three simple steps.
01
Speak with an Expert Advisor
Connect with one of our experienced healthcare advisors who will carefully assess your medical needs, budget constraints, and coverage preferences in a friendly, pressure-free consultation.
02
Compare All Plans Nationwide
Review a curated selection of plans with transparent pricing, clear benefits breakdown, and side-by-side comparisons to help you make an informed decision with confidence.
03
Enroll Quickly & Confidently
Complete your enrollment with expert guidance every step of the way. We handle the paperwork and ensure you understand your coverage before you sign.
Affordable Care Act (ACA) Plans and More!
2026 ACA Marketplace Plans
Access comprehensive ACA-compliant coverage with potential premium tax credits based on your household income. These plans include essential health benefits and preventive care at no extra cost.
Short-Term Medical Coverage
Bridge temporary gaps in coverage with flexible short-term plans that provide essential protection during transitions between jobs, waiting periods, or other life changes.
Underwritten Coverage
Health insurnace options that offer you lower coverage and better rates for levering your health to qualify. 85% of clients are denied due to pre-existing conditions. Plans offer upfront benefits as well.
Supplemental Benefits
Enhance your primary coverage with supplemental plans for dental, vision, critical illness, accident protection, and hospital indemnity to address your complete healthcare needs.
Find Your Perfect Match
With multiple plan types available, we'll help you build a coverage package that addresses your specific health concerns while staying within your budget parameters.
Don't Miss Open Enrollment: Nov 1, 2025 – Jan 15, 2026
1
November 1, 2025
Open Enrollment begins — the window opens for enrolling in new coverage or making changes to your existing plan.
2
December 15, 2025
Coverage start deadline — enroll by this date to ensure your coverage begins January 1, 2026.
3
January 15, 2026
Final enrollment deadline — last chance to enroll in 2026 coverage unless you qualify for a Special Enrollment Period.

Special Enrollment Periods are available year-round for qualifying life events such as marriage, birth of a child, loss of other coverage, or relocation. Our agents can help you understand your eligibility and important deadlines.
Our Client Testimonials
Maria Sanchez, Café Owner
“AHR helped insure my whole team without breaking the bank — they treated my business like family. We are forever thankful for them.”
Jimmy Johnson, The Johnsons
“Affordable, honest, and they actually listen. Our kids have the care they need, doctors in-network, & we have our own agent now. We are safe.”
Marcus Bradley, Truck Driver
“As a driver on the road, I needed something simple and reliable. AHR came through, spoke with Scarlett and they truly do care about you.”
Samantha Lee, Traveling Nurse
“Perfect for nurses or anyone in the medical field like myself that travels for work. AHR got me covered across states with no stress. Truly thankful.”
PPO Health Plans for Truck Drivers
For those who keep our nation moving, we offer health insurance that travels with you. Our plans are tailored for the unique demands of truck driving, providing reliable coverage and peace of mind no matter where the road takes you. Get flexible, affordable options designed for your lifestyle.
Schedule A Call or Book An Appointment!
Busy schedule? No problem. Choose a short call and we’ll deliver plan options that save you time and money — perfect for business owners and on-the-road workers.
Friendly, no-pressure insurance help — schedule a short consult with Affordable Health Rates today 💙
Ready to Save on Health Insurance? Speak to an Advisor Today!
Take Control of Your Healthcare
Don't wait another day to secure affordable, comprehensive coverage for you and your family. Our expert agents are standing by to provide personalized quotes and guide you toward the perfect plan.
Call us now or fill out our quick online form to get started. Your health and budget deserve expert care — let's find the right solution together.
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Families Helped
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Plan Options
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Licensed States
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