You shouldn’t need a PhD to get health insurance. Or a medical degree to understand it.
The discounted plan price Healthcare.gov doesn’t show you.
See the subsidized ACA coverage no one tells you about — free on AskFlorence.
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.
Without an employer plan, the real price is usually different.
Freelancers, contractors, and small business owners are often eligible for $0 deductible Silver plans — but the Healthcare.gov flow buries the real price behind a Medicaid detour and a sticker-price Bronze.
Coverage for everyone in the house, for less than you think.
A family of five earning $80,000 can land a Silver plan near $374/month instead of the $1,789 Healthcare.gov highlighted. Same carriers. Same doctors. Just the right plan shape.
If the Lopez family bought what Healthcare.gov showed first, they’d commit about $21,465/yr before coverage really felt useful, about 27% of their household income.
Plan reflects household size 5, income $80,000, zip 84106, ages 45, 44, 16, 14, 10.
The plans we show cover the doctors you see. And the medications you actually take.
We handle your data like your doctor. Secured like Healthcare.gov.
We ask for zip, ages, and income to price your plan. Social Security and phone come up only at enrollment, where the ACA requires them. We never resell your data.
Same security rails Healthcare.gov, your bank, and the federal government use: HIPAA, AES-256, TLS in transit, U.S. data residency. Only classified records are stricter.
- U.S. classified intelligence
- Military command systems
- Healthcare.gov
- Your bank's app
- Most lead-gen insurance sites
- Email & paper forms
Getting affordable health insurance is now as easy as booking an Airbnb.
Share a few basics.
Zip code, ages, and household income. That's all we need to surface real plan pricing. No giant lead form pretending to help.
Takes about 30 seconds →See what you may actually qualify for.
AskFlorence surfaces the plan pricing and subsidy logic people often miss the first time around. Same Silver plan, your actual out-of-pocket surfaced clearly.
Subsidies are yours by law. We just show you they're there →Your doctors and meds, matched.
Every plan is checked against the providers you actually see and the medications you actually take. Confidence before you commit. No surprise out-of-network bills three months in.
We check across 1.75M doctors and 67,000 medications, every time.Pulled from each carrier's directory →Submitted to your carrier through the ACA.
Our partner licensed agent files your application with your ACA-approved carrier. They only contact you if something on the application needs clearing up. Never a sales pitch.
Human help only when there's a real issue →Member portal live. The lantern's on.
Your ID card, payment portal, and plan details all live in one place. From "where do I even start" to "I have a plan," right from the comfort of your home.
Effective the first of next month →If health insurance started to feel out of reach, AskFlorence is for you.
Rejected by Medicaid
Subsidies still apply on private plans.
See your subsidized price “I'm my own HR department.”Freelancers & 1099s
Built for variable income.
See your price “Income shifts month to month.”Gig workers
Subsidies adjust to your household.
See your real price “I'm eligible. The forms hide it.”Green card holders
Lawful presence qualifies for the marketplace.
Check your eligibility “Just turned 26.”Off a parent's plan
Or changed jobs, retired, or moved states.
See your price “Last time I looked, four digits.”Gave up at the price
First number is rarely the real one.
See your subsidized priceThey all had affordable insurance available. None of them knew.
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.