Health Revolution
BBB Accredited Business. Open our BBB profile.Call

Earn more than this? You get no ACA subsidy in 2027.

Single
$63,840
Couple
$86,560
Family of 3
$109,280
Family of 4
$132,000

So you pay full price, and premiums are up 42% since 2025.

Health Revolutionbases your rate on your health, not your income.

Takes about 60 seconds. No obligation.

Serving since
1997
BBB
Accredited
AM Best
A- rated
Licensed in
33 states

One dollar over. The whole subsidy is gone.

And starting with 2026 taxes, there is no cap on paying credits back if your income lands higher than you estimated.

Full price got expensive.

+42%

Marketplace premiums since 2025

Benchmark premiums rose 26% for 2026 and another 13% for 2027.

$7,476

Average Bronze deductible

That was the 2026 average. Across all marketplace plans the average deductible rose 37% in one year.

11

Insurers leaving a state marketplace

If your plan is ending, your renewal letter will say so, whether you bought it on the marketplace or straight from the insurer.

Source: KFF, May and October 2026.

Health Revolutioncoverage typically costs

30 to 60% less

than an unsubsidized marketplace plan.

$400 to $700
a month
$4,800 to $8,400
a year

Takes about 60 seconds. No obligation.

Typical savings versus unsubsidized marketplace plans. Your price depends on age and health, and approval is not guaranteed.

Where each one wins.

Two different kinds of coverage. Neither one is better at everything.

Average Bronze deductible in 2026: $7,476. Private coverage, middle option: $2,500, and it applies only to hospital stays of 24 hours or more.

Private coverage is stronger here

  • Deductible

    $1,000 to $5,000, hospital stays only

    Marketplace: $7,476 average on Bronze

  • Everyday care

    Paid from the first dollar

    Marketplace: Mostly after the deductible

  • Doctors

    Any doctor. First Health PPO Network costs you less.

    Marketplace: The plan's own network

  • When you can enroll

    Any time of year

    Marketplace: Open enrollment only

  • Income questions

    Never asked

    Marketplace: Income decides your subsidy

The marketplace is stronger here

  • Pre-existing conditions

    Covered from day one

    Private: 12-month wait

  • Getting approved

    Guaranteed

    Private: Health questions. Not everyone qualifies.

  • Coverage limits

    No yearly dollar cap

    Private: Set benefit amounts with a yearly maximum

Managing an ongoing condition, or under the income line? The marketplace is probably your better fit. Healthy and paying full price? See your number.

30 years inside the industry.

Tim Cooper, founder of Health Revolution

Tim Cooper

Founder, Health Revolution

"The ACA was supposed to make coverage affordable, but instead, the middle class ended up paying more than everyone else. I built the Protector Bundle to give hardworking families real protection without the bloat. See your number, read every brochure, and decide for yourself."

Check us yourself

Watch before you call.

Seven minutes on how private coverage works, straight from our channel.

Private coverage, explained in 7 minutes

What members say.

  • Tim understood exactly what coverage I needed and got me set up in just a few days. Direct, knowledgeable, and a pleasure to work with.

    Candace Helms

  • Tim helped us understand our plan thoroughly and supported us through coverage gaps. He made himself available even on weekends.

    Tom

  • Tim Cooper was excellent with customer service and answered all my questions. Excellent agent.

    Floyd Howard

  • Tim has been helpful and attentive throughout the entire process.

    KC Schwartz

Individual member experiences. Savings and coverage vary.

Three steps.

  1. See your price

    ZIP, ages, done. About 60 seconds.

  2. Talk to a licensed agent

    Book a call, or we call you within 48 hours. One-time $50 application fee. No premium until your start date.

  3. Switch when you're approved

    Keep your current plan until the new one is in force.

The fine print, up front
  • Pre-existing conditions are not covered for the first 12 months.
  • Preventive care has a 60-day wait.
  • There is no maternity coverage.
  • Care outside the U.S. is not covered.
  • Pharmacy benefits are limited.
  • Approval is not automatic. Every application is underwritten.

See your number before you renew.

Health Revolutionbases your rate on your health, not your income.

Takes about 60 seconds. No obligation.

Prefer to talk? Call (800) 868-6187.