Same insurance. Very different price.
Healthcare.gov shows you sticker prices. We apply your subsidies and show what you actually pay.
Cheapest plan shown
Select Health
Value Expanded Bronze 6900
Premium
$888.02/mo
Deductible
$6,900.00
Copay
$45.00
Max OOP
$10,000.00
Without subsidies
Select Health
Signature Benchmark Silver
Premium
$1,051.30/mo
Deductible
$5,900.00
Copay
$20.00
Max OOP
$9,500.00
With your subsidies applied
Select Health
Signature Benchmark Silver
Premium
$65.30/mo
Deductible
$0.00
Copay
$5.00
Max OOP
$3,000.00
Save $9,872.64/yr
Real plans from Select Health in Salt Lake County, UT. The only difference is whether your subsidies are applied.
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
Three steps. Thirty seconds. Real prices.
Tell us about your household
Zip code, ages, and income. That's it. 30 seconds of basic info — no SSN, no login, no Healthcare.gov account.
We check government data
We query the same CMS Marketplace API that powers Healthcare.gov — but we apply your subsidies automatically.
See your real price
Actual Silver plans with subsidized premiums, $0 deductibles, and $5 copays. Connect with a licensed broker to enroll.
Taha Abbasi
Founder, AskFlorence
I went 6 years without health insurance because Healthcare.gov showed me $960/month. When I finally talked to a broker, I discovered I qualified for a $7/month plan with a $0 deductible and $5 copays.
The same plan. The same data. Just presented differently. I built AskFlorence so nobody else has to wait 6 years to discover what they actually qualify for.
$1,129
Monthly tax credits
$0
Deductible
$5
Primary care copay
6 yrs
Without coverage
Who this is for
If you buy your own health insurance (or go without), AskFlorence is for you.
Freelancers & Self-Employed
No employer plan? You likely qualify for major savings.
Green Card Holders & Immigrants
Lawful residents qualify for the same subsidies as citizens.
Gig Workers
Uber, DoorDash, Etsy — your side hustle income unlocks real coverage.
Part-Time Workers
No employer coverage? The marketplace has you covered for less than you think.
Early Retirees
Under 65 and between jobs? Don't overpay while you wait for Medicare.
Students Over 26
Aged off your parents' plan? Real coverage exists for the price of a streaming subscription.
Anyone Who Gave Up
Saw Healthcare.gov prices and walked away? Come back. The real price is different.