The expiration of enhanced federal premium tax credits in late 2025 has triggered a dramatic surge in health insurance costs for 2026. According to KFF, ACA Marketplace premium payments have more than doubled on average, jumping from roughly $888 to nearly $1,904 per month—a 114% increase. This financial shock has led an estimated 7.3 million people to lose coverage, with 4.8 million becoming uninsured. Florida, with an uninsured rate near 13.2%, and Texas, the highest in the nation, are among the hardest-hit states.
In response, Sun Health & Dental, a discount medical plan serving Florida and Texas, reports a growing influx of households seeking affordable alternatives. The company offers memberships starting at $40 per month for individuals, $45 for couples, and $50 for families of up to five, providing access to a national network of more than 600,000 providers at pre-negotiated rates. Unlike traditional insurance, these plans have no premiums to an insurer and no claims; members pay providers directly at discounted rates.
"The families calling us are looking for a price they can plan around," said Jennifer Mor, Finance Manager and Promotional Contributor of Sun Health & Dental. "A low flat membership that lets you see a doctor, dentist, or specialist the next day at a known price is often the more practical choice. It's not insurance—but for everyday care, it fills a real gap."
The benefits of these discount plans extend beyond basic consultations. They include primary care, specialist visits, dental, vision, labs, pharmacy savings, and free telemedicine, with no waiting periods and guaranteed acceptance regardless of pre-existing conditions. Additionally, members receive advocacy services such as hospital bill negotiation, which in 2026 reduced members' total claims by an aggregate average of 93%. Prescription assistance is also available, with most qualifying members paying $0 for their medications. Individual results may vary.
Sun Health & Dental holds an A+ BBB rating and serves more than 50,000 members. While it is not insurance, the company is licensed and regulated by the Florida and Texas Departments of Insurance. As the affordability crisis deepens, such discount medical plans are emerging as a viable stopgap for families who cannot afford traditional coverage but still need access to essential healthcare services.
