Stop overpaying for health insurance. See every plan you qualify for in one free call.

Nothing. Agents are compensated by the insurance companies, so a plan review, quote, and enrollment carry no fee for you, and your premium is the same as buying direct.

Yes. The Downham Agency is headquartered at 5909 NW Expressway, Suite 410, Oklahoma City, OK 73132, and Chris helps clients by phone and video across the 31 states where he is licensed. More about working with an Oklahoma City agent.

On HealthCare.gov, Open Enrollment runs November 1, 2026 through January 15, 2027. Enroll by December 15, 2026 for coverage starting January 1; enroll December 16 through January 15 for coverage starting February 1 (HealthCare.gov). Some state-run exchanges set different dates. Outside Open Enrollment, private options may still be available in many areas.

For 2027, federal premium tax credits are generally limited to households earning 100% to 400% of the federal poverty level, about $63,840 for a single person or $132,000 for a family of four (KFF). Above that line you pay the full premium, which is exactly where Chris spends a lot of his time: comparing full-price Marketplace plans against private options that may cost less for your situation.

It varies by state, county, age, and plan. KFF reports insurers sought a median premium increase of about 15% for 2027 (KFF), and healthinsurance.org reports Oklahoma's average ACA rate increase is 20.1% (healthinsurance.org). A plan review shows what your own renewal really costs.

Individual health insurance pricing is largely set by the overall health and cost of care in your county and rating area, not your personal medical history. Subsidy structures also shift costs onto households that do not qualify for assistance, which is why many people see increases regardless of their own health.

ACA (Marketplace) plans are standardized, guarantee coverage for pre-existing conditions, and may qualify for income-based subsidies. Private, non-ACA plans may use medical underwriting and can be a fit for some people who earn too much for subsidies. Chris reviews both and recommends whichever actually fits your situation.

Depending on your state, health, and income, private non-ACA plans may be available and may cost less than an unsubsidized Marketplace plan. They can use medical underwriting, so they are not right for everyone. Chris will show you both side by side and tell you plainly which one he would pick in your shoes.

Self-employed people can usually choose between Marketplace plans (with subsidies based on household income), private non-ACA plans, and HSA-eligible plans. You may also be able to deduct premiums on your taxes. Read the self-employed health insurance guide.

Routine visits and generic prescriptions are often affordable out of pocket. Insurance exists for the major events: a serious diagnosis, surgery, or specialist care after an emergency. Coverage is generally easier and less expensive to secure while you are healthy.

Often, yes. Many plans pay little until a high deductible is met. Some lesser-known plan designs help with common services up front. Chris will walk through how each option handles the care you actually use.

Chris generally does not recommend them. These arrangements are not insurance and may limit or deny claims under their terms. The focus is on real coverage that is there when you need it.