1
Enter Your Information
Provide basic details about your household and location directly on Lucie.
Find Affordable
Health Insurance
for 2027
Quote and enroll entirely online.
Compare ACA Marketplace health plans, see if you qualify for a premium tax credit (tax subsidy), and complete your enrollment through Lucie’s CMS-approved platform.
Plan availability and eligibility vary by state.
Coverage for today.
Confidence for tomorrow.
Confidence for tomorrow.
✓Compare real plans
in your area
in your area
✓Check if you qualify
for a tax subsidy
for a tax subsidy
✓Enroll online through
Lucie’s CMS-approved platform
Lucie’s CMS-approved platform
✓Get support from a
licensed insurance agent
licensed insurance agent
How It Works & FAQs
Get health coverage in three simple steps.
2
Compare Available Plans
Review available plans, prices, provider networks, and prescription benefits for your area.
3
Quote & Enroll Online
Choose your plan and complete your enrollment through Lucie’s CMS-approved platform.
Frequently Asked Questions
Can I quote and enroll without a phone call?
Yes. In supported states, Lucie lets you review plans, complete an application, and select coverage online. Help from an agent is optional.
Will I qualify for a tax subsidy?
You may qualify for a premium tax credit, often called a tax subsidy, based on your household information, estimated annual income, access to other coverage, and Marketplace eligibility rules. It can be applied in advance to lower your monthly premium. The amount is reconciled when you file your federal tax return, so report income or household changes during the year. Eligibility and savings are not guaranteed.
Can I enroll at any time?
You can generally enroll during Open Enrollment. Outside that period, you may need to qualify for a Special Enrollment Period. Lucie or HealthCare.gov can help you check which enrollment options apply.
How do I know whether my doctor or medication is covered?
Review each plan’s provider network and prescription drug list before enrolling. Confirm current participation with your provider and insurer, and check medication costs and any coverage restrictions.
Is this a government website?
No. This website is operated by Persad Insurance Services, an independent insurance brokerage. Your application and enrollment are completed through Lucie, a private platform approved by the Centers for Medicare & Medicaid Services (CMS) for Enhanced Direct Enrollment.
This approved pathway allows you to apply for ACA Marketplace coverage and enroll online without being redirected to HealthCare.gov. CMS lists Lucie among its approved enrollment entities. The Marketplace determines eligibility and financial assistance.
View Lucie on the official CMS approved-partner list (PDF) ↗
When does coverage actually begin?
Your effective date depends on when you enroll and your eligibility. Follow any insurer payment instructions. Selecting a plan alone does not guarantee active coverage.
Compare what matters to you.
Your costsPremiums & deductibles
Your doctorsProvider networks
Your careBenefits & prescriptions
Plan comparison illustration. Not actual plans or quotes.
Affordable Coverage
Is Within Reach
Depending on your household income and eligibility, you may qualify for a premium tax credit—a federal tax subsidy that can lower your monthly health insurance premium. You can choose to apply it in advance to reduce what you pay each month.
Quote Plans & Enroll OnlineOnline enrollment through
Individuals
& Families
& Families
Self-Employed
& Contractors
& Contractors
Options for Different
Household Needs
Household Needs
Preventive Care
& Essential Benefits
& Essential Benefits
Still confused or unsure?
Get help understanding tax subsidies, comparing plans, or completing your application. Schedule a free appointment with a licensed insurance agent.