Proof, not just a promise
The Discounted Plan Price Healthcare.gov Doesn't Show You
See the subsidized ACA coverage no one tells you about, free on AskFlorence.
Healthcare.gov shows you
What they show you
Select Health
Value Expanded Bronze 6900
Premium
$960.21/mo
Deductible
$18,300.00
Copay
$45.00
Max OOP
$20,000.00
$29,823/yr before coverage really feels useful.
AskFlorence shows you with subsidies applied
With your subsidies applied
Select Health
Signature Benchmark Silver
Premium
$7.78/mo
Deductible
$0.00
Copay
$5.00
Max OOP
$6,000.00
Save about $29,729/yr.
Based on real marketplace plan data for a married couple ages 35 and 43, earning $21,000 after business expenses (AGI) in Salt Lake County, Utah.
For the self-employed
No employer plan?
You likely qualify for major savings.
Freelancers, contractors, and small business owners are often eligible for $0 deductible Silver plans — but Healthcare.gov buries the real price behind confusing sticker prices.
Check your eligibilityFor families
Coverage for your whole family — for less than you think.
A family of four earning $40K/year can qualify for premium Silver plans starting at $50/month with $5 copays. Same carriers, same doctors — just the right subsidies applied.
See your family's price
See your real price
Enter your info below. We'll check government data and show you what you actually qualify for.
How it works
A better way to find coverage, without becoming somebody’s lead.
Share a few basics
Zip code, ages, and income. No SSN and no giant lead form pretending to help.
See what you may actually qualify for
AskFlorence surfaces the plan pricing and subsidy logic people often miss the first time around.
Get help only if you want it
You see the answer first. Human help comes later only when it actually adds value.
Why this feels different
Free to use. Clear first. Human help later if needed.
Free to use, forever
No lead resale or spam calls
One trusted licensed agent only if needed
Real plan clarity first. Human help only when it adds value. No broker marketplace in between.
Who AskFlorence is for
If health insurance started to feel out of reach, AskFlorence is for you.
People often do not need more options. They need a clearer first answer.
Rejected by Medicaid
Private coverage still felt out of reach.
Freelancers & Self-Employed
No employer plan to fall back on.
Gave Up After Seeing Prices
The first answer is not always the real one.
Green Card Holders & Immigrants
The rules felt impossible to understand.
Aged Off a Parent’s Plan
Or changed jobs, or retired early.
Coverage Felt Out of Reach
That is exactly who AskFlorence is built for.
Real People, Hidden Coverage
They all had affordable insurance available. None of them knew.
Different people, same broken flow: the coverage was available, but the system made it hard to find.
What changed
For the self-employed
Coverage that was always there
“Healthcare.gov told me to look at Medicaid or stare at full-price plans. The cheapest one it showed was still hundreds a month with a brutal deductible, so I assumed I just couldn’t afford insurance.”
Maria had spent years assuming self-employed coverage was just brutally expensive. What looked impossible on Healthcare.gov turned into a usable Silver plan once the right eligibility logic was applied.
Maria, Self-Employed Designer
Age 28
What the wrong first plan really costs
If they bought what Healthcare.gov showed first, they would commit about $13,728/yr before coverage really felt useful , about 69% of income.
Plan reflects household size 1, income $20,000, zip 84094, ages 28.
What changed
For gig workers
Real savings for real work
“Between Uber and DoorDash I clear about $35K supporting a family of three. Healthcare.gov pushed me toward Medicaid and then showed a plan that still looked impossible, so I figured being self-employed meant I was on my own.”
Gig income, self-employment, side hustles, none of that automatically means unaffordable insurance. Household size changes the math, and the gap is often the system showing the wrong starting point.
Marcus, Rideshare & Delivery Driver
Age 32
What the wrong first plan really costs
If they bought what Healthcare.gov showed first, they would commit about $29,708/yr before coverage really felt useful , about 85% of income.
Plan reflects household size 3, income $35,000, zip 84111, ages 32 + 8 + 5.
What changed
For immigrant families
Not eligible for Medicare didn’t mean he should be trapped in the Medicaid loop
“Even our immigration lawyer said my father wasn’t eligible for Medicare yet, but Healthcare.gov still pushed us into the Medicaid dead end and made the only plans we could see look impossible.”
For older green card holders, families can get trapped between programs that don’t actually apply and full-price plans that feel absurd. AskFlorence helps surface a real path instead of the dead-end one.
Raj’s Father, Older Green Card Holder
Age 74
What the wrong first plan really costs
If they bought what Healthcare.gov showed first, they would commit about $19,899/yr before coverage really felt useful.
Plan reflects household size 1, income $0, zip 84095, ages 74.
What changed
For business owners
Business income on paper didn’t mean family coverage was actually out of reach
“Healthcare.gov pushed me toward Medicaid because my business income looked low on paper. Then I was staring at full-price family plans that made no sense for me and my two teenage daughters.”
Sarah’s issue was not a lack of options. It was getting routed into a dead-end flow that made family coverage look impossible before the real Silver option was surfaced.
Sarah, Small Business Owner
Age 44
What the wrong first plan really costs
If they bought what Healthcare.gov showed first, they would commit about $30,823/yr before coverage really felt useful , about 128% of income.
Plan reflects household size 3, income $24,000, zip 84070, ages 44 + 18 + 16.
What changed
For older households
Too young for Medicare didn’t mean the family had to face full-price plans
“My retirement income is fixed, so when Healthcare.gov showed nearly two thousand a month for me, my wife, and our son, I assumed there was no responsible way to do this before Medicare.”
For older households bridging the years before Medicare, the first number shown can be so punishing that they stop looking. AskFlorence is useful when the system’s first answer is the wrong one.
Robert, Pre-Medicare Dad
Age 58
What the wrong first plan really costs
If they bought what Healthcare.gov showed first, they would commit about $41,824/yr before coverage really felt useful , about 131% of income.
Plan reflects household size 3, income $32,000, zip 84057, ages 58 + 54 + 14.
What changed
For bigger households
The obvious plan wasn’t the one that made the most financial sense
“When we saw Healthcare.gov highlighting a plan near eighteen hundred a month, we thought decent coverage for a family of five just wasn’t realistic. The better answer turned out to be a completely different plan shape.”
Not every story is a Medicaid trap. Sometimes the issue is that the first plan that looks safest is wildly expensive, while the better-fit option sits a layer deeper and saves the family thousands.
The Lopez Family, Working Family of Five
Age 45
What the wrong first plan really costs
If they bought what Healthcare.gov showed first, they would commit about $21,465/yr before coverage really felt useful , about 27% of income.
Plan reflects household size 5, income $80,000, zip 84106, ages 45 + 44 + 16 + 14 + 10.
Our Namesake
Florence Nightingale used light and data to reveal what a broken system was hiding
“She fixed how care was delivered. We're fixing how coverage is found.”
Florence Nightingale walked into hospital wards where people were suffering not only from illness, but from systems that were opaque, disorganized, and failing the very people they were supposed to help.
She carried a lamp into the dark, then used observation and data to prove the delivery system itself was causing harm.
AskFlorence is built in that spirit, fixing how people find coverage so affordable plans are no longer hidden behind terrible UX, bureaucratic routing, and misleading first answers.
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