/library/35b5c6d5-d53c-4b89-a0d4-9eeec3ab6db3/health-insurance-hero.jpeg)
No HR Department
The Self-Employed
Frank runs his own shop with no benefits team to lean on. He needed real coverage but had no idea where to start or what he qualified for.
Found a Marketplace plan with assistance Health Insurance · Under 65
Get to 65 Covered.
Lost a job, left COBRA, or retired early? You may have a window to enroll right now. One free call compares every option in your ZIP — in plain English, with no obligation.
- Top-rated carriers compared side by side
- Licensed in all 50 states
- Free consultation & plan comparison
44%
of adults 50–64 carry
medical or dental debt
medical or dental debt
~8M
people 50–64 covered
on the Marketplace
on the Marketplace
$0
what AMAC's
help costs you
help costs you
How It Works
Three Steps. One Free Call.
No website to puzzle over. A licensed, U.S.-based agent does the comparing for you and explains it in plain words.
Tell Us Your Situation
Self-employed, between jobs, off COBRA, or retired early — just tell us where you stand and what you need.
We Compare Every Option
Your agent shops ACA, short-term, and fee-for-service plans across top-rated carriers in your ZIP — and checks if you qualify for help.
You Choose — Free
Pick the plan that fits your doctors and budget. We handle the enrollment. No cost, no pressure, ever.
Free & No Obligation
Find Coverage Before Medicare
Tell us a little and a licensed agent will compare every plan in your ZIP — usually the same day. No cost, no pressure, and there's no extra charge for using an agent.
- Compare ACA, short-term & fee-for-service plans
- We check if you still qualify for assistance
- We keep your doctors in network when we can
- Same price as going direct — never a markup
Licensed in all 50 states
No-obligation quote
Your info stays private
Takes under 2 minutes
Get Your Free Coverage Quote
Request received!
A licensed agent will reach out shortly — usually the same day. Prefer to talk now? Call 888-623-9595.
Who This Is For
The Years Right Before Medicare
These are the most common reasons members call before they turn 65 — and the relief when they do.
/library/1f1ca3fb-e11d-4d85-b18e-24a44ae2afa1/about-hero-community.png)
In Transition
Between Jobs
Carol lost her job coverage and assumed she was stuck until January. She didn't know losing a job can open a 60-day window to enroll.
Bridged the gap, no lapse in care/library/d06a1207-fb85-4614-9586-c3b9c7d599da/retirement-hero.jpeg)
Early Retiree
Retired Before 65
Tom retired at 61 and faced four years with no employer plan. He worried one health scare could undo the nest egg he'd spent decades building.
Protected his savings to MedicareBefore You Default to COBRA
COBRA Is Easy — and Usually the Most Expensive.
When you keep COBRA, you take over the full premium your employer used to cover most of. Losing job coverage opens a window to shop something else first — so compare before you commit.
After You Leave a Job
Who Pays the Premium
The Reality
On the job
Employer covered most
You paid a small share each paycheck
On COBRA
You pay it all
The full premium your employer used to subsidize
With an agent
You compare first
A Marketplace plan may cost far less for similar care
Employer family coverage averaged $25,572 a year in 2024 — roughly $2,131 a month — which is the full bill a COBRA enrollee absorbs once the employer subsidy ends. A free call compares it against a Marketplace plan before you decide. (KFF, 2024 Employer Health Benefits Survey.)
Why Members Trust AMAC
Honest Help, Not a Sales Pitch
We Compare. AARP Sends You to One.
AARP routes members to a single insurer. AMAC's licensed agents shop multiple carriers — and surface off-exchange and short-term options the public site won't.
Licensed, U.S.-Based Agents
Real people, licensed in all 50 states, who tell you honestly when a short-term plan fits — and when an ACA plan is the better call.
Free — and We Stay With You
There's no extra charge for using an agent. And the same trusted team that covers you before 65 guides you right into Medicare when you get there.
Common Questions
Straight Answers
I'll just go without until I turn 65 — it's only a couple of years.
That's the gamble that hurts people most in exactly these years. Adults 50–64 already carry medical or dental debt at roughly double the rate of those on Medicare (44% vs 22%), and one diagnosis in your early 60s can cost far more than coverage. An agent can often find a plan that costs less than you'd fear — and there's no obligation to take it.
Isn't health insurance unaffordable at my age?
Older buyers did get hit hardest — that's exactly why shopping with a licensed agent matters more at your age. They compare every plan in your ZIP, check whether you still qualify for assistance, and flag lower-cost options. The price you saw online is rarely the lowest available to you.
I'll just keep COBRA — it's easy and it's the same coverage.
COBRA is easy because HR hands you the form, but it's usually the most expensive route: you now pay the full premium your employer used to cover most of — often around $2,000 a month for a family. Losing job coverage opens a window, so an agent can compare a Marketplace plan side-by-side before you commit.
Aren't short-term plans junk that don't cover anything?
For long-term coverage, we agree — and we won't sell you one as a substitute. But for a true, brief gap (say a month until a new job's benefits start), a short-term plan can be the right, affordable bridge. Our agents tell you honestly when one fits and when an ACA plan is the better call.
Can't I just shop HealthCare.gov myself?
You absolutely can. But the public marketplace only shows on-exchange plans, won't always surface off-exchange or short-term options, and won't tell you which plan keeps your doctors in network. Our agents do that comparison by phone, in plain English — there's no extra charge for using one, so it's free help with no downside.
Don't Tough It Out Until Medicare.
One call to a licensed agent — free, no obligation. We'll compare every plan in your ZIP and find coverage that protects you and your savings.