Check your subsidy in about a minute, see your options in plain English, and enroll with Christopher Horne as your agent of record — a local licensed broker who answers all year, not just at signup.
Three quick answers show your likely lane — tax credits, cost-sharing savings, or full price.
No call centers, no phone trees, no explaining yourself to a stranger every time you call.
Run the 60-second estimate first — see your likely lane before you look at a single plan.
We match plans against the doctors and medications you actually use, in plain English.
Apply online through HealthSherpa — most people finish in about 7 minutes — or enroll with me. Either way, I review it the same day.
You get Christopher Horne — call or text (954) 787-9118 and you talk to me directly, all year.
I'll walk you through your options side by side and show you the math. The decision is always yours.
Questions in March count too. Same-day review of every signup, and I'm here when life changes.
No jargon, no hype. Three things worth understanding before you pick a plan — each takes about a minute to read.
A subsidy is a tax credit that lowers your monthly premium. It's based on your household size and your income, and it's applied right in your plan list — you see the lower price up front, not months later. Many people qualify and don't know it. The only way to know your number is to run it.
The monthly premium is only part of the cost. Check that your doctors are in the plan's network, that your prescriptions are covered, and what a bad week would cost you — that's your deductible and your out-of-pocket maximum. A cheap plan that skips your doctor isn't cheap.
Open Enrollment runs Nov 1 to Jan 15. Enroll by Dec 15 and your coverage starts Jan 1. After Jan 15, you usually need a big life change to sign up mid-year — moving, getting married, having a baby, or losing other coverage.
You never pay me. My help is free to you, start to finish. When you enroll, the insurance company pays me a commission — that's how brokers get paid. The price of your plan is set by the plan itself: it's the same price whether you enroll with me, on your own, or through the government site. Having a broker in your corner costs you nothing extra.
And there's no pressure here. I'll show you your options and the math, and if keeping the plan you already have is the right call, I'll tell you that too.
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Real business, real listings. Insured with Chris is officially listed on 70+ directories — Google, Yelp, BBB, Apple Maps, and dozens more.
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