ACA · Private PPO · Group Plans
Prosperity Insurance Solutions helps families, self-employed clients, and business owners compare health coverage options with clear guidance and personal support.
Common Benefits
For families and individuals who may qualify for subsidies.
SHOP coverage and tax credit guidance for small business owners.
Three Clear Pathways
Rather than one broad quote form, we guide you into the coverage path that actually matches your situation.
For Families & Individuals
Affordable Care Act (ACA) Marketplace plans are available to individuals and families, and many households qualify for a subsidy that lowers monthly premiums. If you’ve had a qualifying life event, you may be able to enroll outside the standard Open Enrollment Period through a Special Enrollment Period.
For Flexible Coverage
Private PPO and short-term plans are purchased outside the ACA Marketplace, so they are not eligible for subsidies, but they can offer broader provider networks and more flexible enrollment timing. These plans can be a fit for those who don’t qualify for a subsidy or want coverage between other plans.
For Business Owners
Small business owners may be able to offer group health coverage through the SHOP Marketplace, and eligible businesses may qualify for a small-business health care tax credit. We’ll help you understand what your business qualifies for and how group coverage compares to individual plans for your team.
Who We Help
Comparing ACA and private plans to find coverage that fits the whole household’s needs and budget.
Exploring group coverage for a team, including SHOP guidance and potential small-business tax credits.
Why Prosperity
ACA, private, and group coverage all work differently — Prosperity Insurance Solutions helps you compare your options clearly so you can choose with confidence, whatever path fits your life or business.
Enrollment Timing
The standard annual window to enroll in or change an ACA Marketplace plan.
Available after qualifying life events like marriage, a new baby, or losing other coverage.
Private PPO, short-term, and group plans are often available to apply for year-round.
FAQ
ACA Marketplace plans may come with a subsidy that lowers your monthly premium based on income, while private PPO and short-term plans are purchased outside the Marketplace and are not subsidy-eligible, but can offer broader networks or more flexible timing.
Subsidy eligibility depends on household income, size, and other factors. We’ll walk through your situation and check what you may qualify for before you enroll.
ACA plans are generally available during the annual Open Enrollment Period, or anytime through a Special Enrollment Period if you’ve had a qualifying life event. Private and group plans are often available year-round.
Many small businesses can offer coverage through the SHOP Marketplace, and some qualify for a small-business health care tax credit. Eligibility depends on your business size and other details — we’ll help you find out.
