★★★★★ Independent Oklahoma brokerage · Multiple carriers compared · No cost to you
Understanding Your Options With a Health Insurance Broker
Bronze & Silver Plans
Lower monthly premiums with higher out-of-pocket costs when you use care. May be a fit if you're generally healthy and want protection from major medical expenses.
Gold Plans
Higher monthly premiums but lower costs when you actually use your coverage. May be useful if you have regular prescriptions, ongoing care, or a growing family.
Catastrophic Plans
Available to people under 30 or those with a hardship exemption. Very low premiums with high deductibles — designed as a safety net for worst-case scenarios.
Short-Term Plans
Temporary coverage may be available for short gaps between major medical plans. Short-term plans are not ACA Marketplace coverage and may have benefit limits. Availability and eligibility vary by state and carrier.
You May Qualify for Coverage — Even Outside Open Enrollment
Marketplace Open Enrollment runs November 1 through January 15. Enroll by December 15 for coverage starting January 1, or by January 15 for coverage starting February 1.
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Missed those windows? You're not out of luck. A qualifying life event — like losing job coverage, getting married, having a baby, or moving — opens a Special Enrollment Period, letting you enroll or update your plan any time of year.
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And if you don't have a qualifying event, a short-term medical plan can help bridge the gap until the next enrollment window opens.
Loss of Coverage
Losing job-based insurance, aging off a parent's plan, or losing Medicaid or CHIP eligibility all qualify. You typically have 60 days from the event to enroll.
Life Changes
Getting married, having a baby, adopting a child, or moving to a new coverage area are all qualifying events that open a special enrollment window.
Not Sure If You Qualify?
That's what we're here for. Give us a call or chat with Everly and we'll help you figure out if you have a window open right now — at no cost to you.
Premium Tax Credits
Based on your household income and size, you may qualify for a monthly credit that's applied directly to your premium. In some cases this can bring your monthly cost down to as little as $0.
You May Pay Less Than You Think.
Most people who shop through the Health Insurance Marketplace qualify for a subsidy — a tax credit that lowers your monthly premium. Many of our clients end up paying significantly less than they expected. Here's how it works.
Cost-Sharing Reductions
Available on Silver plans for those who qualify, these reduce your deductible, copays, and out-of-pocket maximum — meaning you pay less when you actually use your insurance.
Who Qualifies?
In many cases, Marketplace savings are based on household income, household size, and access to other affordable coverage. Many households between 100% and 400% of the Federal Poverty Level may qualify for premium tax credits, but eligibility and savings depend on your full situation.
Could You Qualify for Savings?
Most families who buy their own coverage qualify for a federal premium tax credit that lowers their monthly premium. Find your household size below — if your income falls in this range, you may qualify.
Household Size
Income Range Where You May Qualify*
1
$23,940 – $63,840
2
$32,460 – $86,560
3
$40,980 – $109,280
4
$49,500 – $132,000
5
$58,020 – $154,720
6
$66,540 – $177,440
Income below the range? You or your children may qualify for your state's Medicaid or CHIP program instead — we'll help you check at no cost.
*Estimates based on 2026 federal poverty guidelines (150%–400% FPL). Actual eligibility and savings amounts are determined by the Health Insurance Marketplace based on your full application. Updated March 2026.
How We Recommend the Right Plan
Before we compare plans, we walk through the details that actually determine whether a plan fits — so we're narrowing to options that work for your life, not just plans that look good on paper.
Doctors & Prescriptions
We confirm your providers are in-network and your medications are covered before a plan makes the list.
Hospitals & Networks
Your preferred hospitals and facilities shape which carriers and networks we compare.
Income & Subsidy Eligibility
Your household income determines what savings you qualify for — and which plans make financial sense.
Medical Needs & Budget
Expected care for the year ahead, balanced against what fits your monthly budget.
Meet Everly, Your Friendly Health Insurance Helper
Everly is available 24/7 to answer simple health insurance questions, explain your options in plain English, and help you get ready for your free consultation — no pressure, no obligation.
Some of the Health Insurance Carriers We Work With
As an independent health insurance agency, we're not tied to any single plan. We compare options from many of Oklahoma, Texas, and Florida's most trusted health insurance carriers — so you can compare available options and make a more informed decision.
Allstate · Ambetter · BlueCross BlueShield · CommunityCare · Pivot · Medica · Oscar · UnitedHealthcare
These are just some of the health insurance carriers we're appointed with — we work with additional companies depending on your state, coverage type, and situation. Plans and carrier availability vary by state, county, and product type. CYA Insurance Agency is an independent agency and is not affiliated with or endorsed by any carrier listed above.
Health Insurance FAQs
Quick answers to common questions about Marketplace plans and individual coverage.
When is the period for health plan enrollment?
The standard Open Enrollment Period is Nov 1 to Jan 15. You might qualify for a Special Enrollment Period if you experience a major change, such as losing job-based insurance, moving, or growing your family. Our team will review your situation to see if a current enrollment window is open for you.
What determines my eligibility for savings?
Financial assistance through Premium Tax Credits is determined by your annual household income and family size. For 2026, most households earning between 100% and 400% of the federal poverty level qualify for these savings, provided they lack access to other affordable coverage options.
How do HMO and PPO insurance plans differ?
HMOs usually require using specific network doctors and obtaining specialist referrals to keep costs low. PPOs offer greater freedom to visit any provider without a referral, though they come with higher monthly premiums. We evaluate your medical needs to help you choose the most efficient path.
Will I keep my doctors after changing plans?
Network compatibility varies by insurer. We prioritize verifying that your current physicians and preferred hospitals are participating in a plan's network before you sign anything. Protecting your established patient-doctor relationships is one of the most vital services our agency provides.
What are my options if enrollment closes?
Missing the window doesn't mean you are without options. Depending on your specific circumstances, you might be eligible for short-term bridge plans, Medicaid, or COBRA. We will guide you through the available alternatives to ensure you aren't left without a safety net until the next period.
Are there fees for using an insurance broker?
Our consulting is provided at no cost to you. Your premiums remain the same whether you use our expertise or buy directly from the Marketplace. You benefit from having a professional expert to compare carriers, verify networks, and provide year-round support at absolutely no extra expense.