What to Sell When Clients Lose ACA Coverage in 2027
A discount medical plan agents can offer to keep clients priced out of the ACA marketplace
When an ACA carrier exits the marketplace or a client’s premium spikes, your client still needs access to care — and you still need something to offer. Sun Health & Dental is a discount medical plan (it is NOT insurance) that agents can present for as little as $40/month, giving clients affordable access to 600,000+ providers with no deductibles and no waiting periods. It’s a way to keep serving — and keep — clients who can no longer afford marketplace coverage.
The 2027 disruption is your opening
For the 2027 plan year, insurers are pulling out of the ACA marketplace and premiums are climbing as the enhanced federal subsidies that ended in 2025 fall away. When a carrier exits, every one of its members has to re-shop — often into fewer, pricier options. Many will decide they simply can’t afford a replacement plan. Those clients are not leaving healthcare; they’re leaving a premium. If you can hand them an affordable way to keep seeing their doctor, you keep the relationship instead of losing it.
What Sun Health & Dental is — and what it isn’t
Sun Health & Dental is a discount medical plan: a licensed Discount Plan Organization in Florida and a registered Discount Health Care Program in Texas. Members pay a low monthly fee and then pay discounted, pre-negotiated rates directly to participating providers. It is not insurance, it does not pay providers, and it is not a replacement for a major-medical policy for someone facing surgery or a complex chronic illness. What it does extremely well is make everyday care — primary care, dental, vision, labs, urgent care, telemedicine, and prescriptions — affordable and predictable.
Why your clients say yes
Price:
$40/month individual, $45 couple, $50 family (up to five), plus a one-time $30 application fee.
No barriers
no deductibles, no waiting periods, guaranteed acceptance regardless of age or pre-existing conditions, and members can use benefits the day after enrolling.
Real access
a national network of 600,000+ providers, plus 24/7 telemedicine included at no extra cost.
Protection when it counts
in-house hospital bill negotiation reduced members’ total hospital claims by an aggregate average of 93% in 2026 (individual results vary and are not guaranteed).
Credibility
BBB Accredited with an A+ rating since 2019, G2 Risk Solutions certified, 9+ years in business, 50,000+ members.
How agents offer it and get paid
Sun Health & Dental partners with independent agents and brokers as a distribution channel — you can present it to clients as a standalone affordable option or as a supplement that fills everyday gaps (dental, vision, prescriptions, telemedicine) alongside coverage they keep. Start at the Agent Resources center.
Positioning it compliantly
Always present Sun Health & Dental as what it is: a discount medical plan, NOT insurance, offered alongside — not in place of — major medical coverage where a client needs it. In Florida it is a Discount Plan Organization (regulated by FLOIR); in Texas it is a Discount Health Care Program (registered with TDI). Keeping that language clear protects your license and sets honest client expectations. See our Trust & Compliance page for the full credentials.
Ready to add Sun Health & Dental to what you offer? Visit the Agent Resources center or call (855) 786-0626 to get set up, request client materials, and start enrolling clients who’ve been priced out of the marketplace.
Frequently Asked Questions
What can I sell to clients who are losing ACA coverage in 2027?
You can offer a discount medical plan like Sun Health & Dental — a licensed program (not insurance) that gives clients affordable access to doctors, dentists, labs, telemedicine, and prescriptions for $40/month, with no deductibles or waiting periods. It keeps clients who can no longer afford marketplace premiums connected to care, and keeps them as your clients.
Is Sun Health & Dental a replacement for health insurance?
No. Sun Health & Dental is a discount medical plan, not insurance, and is not a substitute for major-medical coverage for someone facing surgery or a complex chronic condition. It is best offered as an affordable standalone option for everyday care, or as a supplement alongside a client’s existing coverage.
Do I need a special license to offer it, and how do agents get paid?
Sun Health & Dental partners with independent agents and brokers to offer the program to clients. Specific commission, referral, and any appointment or licensing details are confirmed directly through the Sun Health & Dental agent program — contact (855) 786-0626 or the Agent Resources center to get set up.
Why would a client choose a discount medical plan?
Because it is affordable and immediate: $40/month, no deductible, guaranteed acceptance regardless of pre-existing conditions, use the day after enrolling, access to 600,000+ providers, 24/7 telemedicine, and in-house hospital bill negotiation. For a client who just lost coverage or faces a premium they can’t absorb, it restores access to everyday care right away.
What are Sun Health & Dental’s credentials?
Sun Health & Dental has been BBB Accredited with an A+ rating since 2019, is certified by G2 Risk Solutions, has operated for 9+ years, and serves 50,000+ members. It is a licensed Discount Plan Organization in Florida (FLOIR) and a registered Discount Health Care Program in Texas (TDI).
Sun Health & Dental is a discount medical plan, it is NOT insurance. It does not make payments to providers. Members are required to pay the entire amount of the discounted rate for all healthcare services, but receive discounts from participating providers. The program does not guarantee the quality of the services or products offered by individual providers. Regulated by the Florida Office of Insurance Regulation and registered with the Texas Department of Insurance.