Where Can I Find Affordable Health Insurance? 
Affordable health insurance is available for individuals , families and small business owners . But where do you find it ? Utilizing an experienced broker that has a top-rated website is your best resource and I stake 33 years of experience as a broker on that fact . Although the government healthcare website is an option , the risk of glitches , security issues , delays and lost information is still a problem -LRB- although it 's getting better -RRB- . But just as importantly , you can NOT view or compare `` off-Exchange '' plans by going to the government website . That 's why shoppers that want expert advice and the best rates use a broker -LRB- no fees of course -RRB- . If you qualify for a full federal subsidy , your premium may actually be $ 0 . Otherwise , your rate depends on many factors , including your age , where you live and the type of plan you purchase . Did you miss Open Enrollment because you forgot ? A short-term plan -LRB- not offered on government website -RRB- may be the answer . 