Compare ACA & Private Health Insurance — Without the Markup
We're an independent health insurance brokerage representing multiple major carriers across 17 states. Compare marketplace plans, check subsidy eligibility, and enroll with help from a licensed advisor — at no cost to you.
(888) 919-2113
Available Monday–Friday 8 AM – 8 PM ET · Saturday 9 AM – 5 PM ET
Get a Free Quote
No cost. No obligation. See plans available in your ZIP.
Why Choose Prodest
An Independent Brokerage Working For You — Not the Carrier
We're not captive agents. We compare plans across multiple major carriers to find what fits your budget and your healthcare needs.
Carrier-Neutral
We represent multiple major national and regional carriers. We can compare across the marketplace — not just sell whatever the home office tells us to push.
Licensed in 17 States
From Florida to Pennsylvania, Arizona to Michigan — wherever you live in our service area, you're working with a licensed broker authorized in your state.
No Cost to You
Brokers are paid by the carrier, not by you. The premium is the same whether you enroll directly, through Healthcare.gov, or with us — except now you have a guide.
Plans We Compare
ACA Marketplace, Private Major Medical, and Small Group Health
We focus on comprehensive health coverage. No short-term plans, no fixed-indemnity products — just real major medical insurance.
ACA Marketplace
Subsidy-Eligible Plans
Plans through the federal Health Insurance Marketplace (or state-based exchanges in KY, VA, and PA). Income-eligible households may qualify for premium tax credits and cost-sharing reductions that significantly reduce monthly costs.
Off-Marketplace
Private Major Medical
Off-exchange plans from multiple carriers — comprehensive coverage including preventive care, prescriptions, specialists, and hospitalization. Useful for households above subsidy thresholds or who want specific networks.
Small Business
Group Health Plans
Group health insurance for small businesses (typically 2–50 employees). We help you compare carrier options that fit your budget and your team's needs, then walk you through implementation.
Plan types we compare: PPO, HMO, EPO, POS, and HDHP/HSA-eligible plans.
We do not currently offer Medicare plans, short-term medical, or limited-benefit indemnity products through this service.
For Medicare assistance, contact Medicare.gov or 1-800-MEDICARE.
How It Works
From First Call to Active Coverage
Request a Quote
Submit the form or call directly. No cost. No obligation. We'll confirm your ZIP code, household size, and income range to see what plans are available.
Compare Your Options
A licensed Prodest advisor reviews plans available in your area, runs subsidy eligibility, and walks you through differences in networks, deductibles, and total cost.
Enroll With Help
Once you've chosen a plan, we handle the application and submission process — at no cost to you. You get coverage; we get paid by the carrier. No hidden fees.
Ready to See Your Options?
A licensed advisor is standing by. No bots. No phone tree. Just a real person who knows the marketplace.
(888) 919-2113Frequently Asked
Health Insurance Questions, Answered
Premiums vary based on age, location, household size, tobacco use, and the specific plan. Many individuals and families qualify for premium tax credits through the ACA marketplace that may significantly reduce monthly costs. The only way to know what you'll pay is to run a personalized quote — that's what we do, free.
Open Enrollment typically runs November 1 through January 15. Outside that window, you may still be eligible to enroll if you've experienced a qualifying life event — job loss, marriage, divorce, birth or adoption, or moving to a new ZIP code. We can help you determine if you qualify for a Special Enrollment Period.
No. Insurance premiums are the same whether you enroll directly with the carrier, through the marketplace, or with a licensed broker. Broker compensation is built into the carrier's pricing structure. You pay zero additional cost for our help.
Under the Affordable Care Act, health insurance plans cannot deny coverage or charge higher premiums based on pre-existing conditions. However, plan design — deductibles, networks, formularies — varies and may affect your out-of-pocket costs for ongoing care. We help you compare those tradeoffs.
No. We specialize in individual, family, and small business health insurance for people under 65. For Medicare assistance, please contact Medicare.gov or call 1-800-MEDICARE.
No. Prodest Insurance Group is an independent licensed health insurance brokerage. We are not connected with or endorsed by the U.S. government, Healthcare.gov, the Centers for Medicare & Medicaid Services (CMS), or any state insurance exchange.
Important Disclosures
Prodest Insurance Group (NPN 19515569) is a licensed independent health insurance brokerage based at 7000 W Palmetto Park Rd, Suite 300, Boca Raton, FL 33486. We are authorized to sell health insurance in Alabama, Arizona, Florida, Georgia, Illinois, Indiana, Kentucky, Louisiana, Michigan, Mississippi, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia. Coverage is offered through our appointed licensed producers. A complete list of producers is available on our Licensing & Disclosures page.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer. We represent multiple major insurance carriers but are not affiliated with any single carrier exclusively. Plan availability and pricing varies by location, age, household size, income, tobacco use, and other factors. Please contact us, visit Healthcare.gov, or contact your state-based marketplace for complete information about all plans available to you.
We are not connected with or endorsed by the U.S. government, Healthcare.gov, the Centers for Medicare & Medicaid Services (CMS), or any state insurance exchange. We do not offer Medicare plans, short-term medical, or fixed-indemnity products through this service. For Medicare information, contact Medicare.gov or 1-800-MEDICARE.
Quotes provided are estimates based on the information you provide. Actual eligibility for premium tax credits, cost-sharing reductions, and final plan pricing is determined by the marketplace at the time of application. We cannot guarantee any specific savings, plan availability, or coverage outcomes.