It costs you nothing
Brokers are paid by insurance carriers, not by you. Your premium is the same whether you enroll through us or go directly to HealthCare.gov. (We just make it easier.)
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Ally Benefits is a licensed health insurance broker for individuals and families across South Carolina, North Carolina, Illinois, Texas, and Arizona. We help you compare ACA marketplace plans, find every subsidy you qualify for, and enroll with someone in your corner. Our service is free — we're paid by insurance carriers, not you.
To shop and enroll, you'll need to be in Open Enrollment (Nov 1–Jan 15) or have had a qualifying life event in the last 60 days. Learn more ↓
Going through HealthCare.gov on your own is technically possible — but you'd be doing it without anyone to call when things get complicated. Working with a broker like Ally costs you nothing extra, and you get a real person in your corner from quote to claim.
Brokers are paid by insurance carriers, not by you. Your premium is the same whether you enroll through us or go directly to HealthCare.gov. (We just make it easier.)
Premium tax credits, cost-sharing reductions, and the self-employed health insurance tax deduction can save you thousands. We make sure you don't leave any of it on the table.
Coverage questions, claim denials, plan changes, mid-year network issues — you have us. Not a chatbot, not a call center.
The hardest part of choosing a plan isn't price — it's confirming your providers are in-network. We help you check before you commit.
Four quick steps — usually 10 to 15 minutes from start to enrolled.
You'll be asked whether you're inside Open Enrollment or have had a qualifying life event in the last 60 days. (More on what counts below.)
ZIP code, household size, estimated income for the coverage year. This is what determines your subsidy.
Monthly premiums, deductibles, copays, networks, and prescription coverage — all visible. We're listed as your agent throughout.
You can enroll directly on the platform. Or, if anything feels confusing, book 15 minutes with us and we'll walk through it together.
Health insurance has two ways in: the annual Open Enrollment Period, or a Special Enrollment Period triggered by a life change.
November 1 – January 15 each year. Anyone eligible for marketplace coverage can enroll, no special circumstances needed.
You have 60 days from a qualifying life event to enroll. Common qualifying events include:
Not sure if you qualify?
Book a free 15-minute callWe help individuals and families across SC, NC, IL, TX, and AZ navigate the individual market. If you see yourself in this list, we can help.
Click any question to expand the answer.
You can absolutely enroll directly. But there's no cost difference — and brokers like us are trained to spot subsidies you might miss, confirm your doctors are in-network, and stay with you through the year if anything goes wrong. Most people find the support worth more than the 10 extra minutes of setup.
Our service is free to you. Insurance carriers pay us a small commission when we help you enroll. Your premium is exactly the same whether you enroll through us, HealthCare.gov, or directly with the carrier.
You have three main paths: an ACA marketplace plan (often with subsidies based on income), private off-marketplace coverage, or — if you're eligible — Medicaid. We can walk through which makes sense for your situation. Don't forget the self-employed health insurance tax deduction, which can offset 15–32% of your premium cost.
Only if you've had a qualifying life event (loss of other coverage, marriage, new baby, move, etc.) within the last 60 days. If you have, you're eligible for a Special Enrollment Period. If not, you'd typically need to wait until the next Open Enrollment in November.
South Carolina, North Carolina, Illinois, Texas, and Arizona.
Before you enroll, we'll check each plan's network for your specific doctors and any prescriptions you take. Surprises in the first month of coverage are the worst — we'd rather find any conflicts before you commit.
You call us. We'll help you understand why, what your appeal options are, and what to do next. This is part of working with a broker — and one of the biggest reasons not to enroll on your own.
Yes. The enhanced premium tax credits introduced during the pandemic have rolled back, so many people will pay more in 2026 than 2025. The good news: subsidies still exist for most people earning between roughly $20,000 and $83,000 (single) — they just don't cover as much as they did. We'll show you exactly what you qualify for.
Whether you want to dive into plans yourself or talk through your situation first, we're here.
Eligibility requires being in Open Enrollment or having a qualifying life event in the last 60 days.
