The expiration of enhanced federal premium tax credits at the end of 2025 has led to a dramatic rise in health insurance costs for 2026. According to the Kaiser Family Foundation (KFF), average ACA Marketplace premium payments have more than doubled, jumping from approximately $888 to nearly $1,904 per month—a 114% increase. This surge has resulted in an estimated 7.3 million people losing coverage, with 4.8 million becoming uninsured. Florida, with an uninsured rate near 13.2%, and Texas, the highest in the nation, have been among the hardest hit.
In response, Sun Health & Dental, a discount medical plan serving Florida and Texas, reports a growing interest from households priced out of traditional coverage. 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.
“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.”
Unlike traditional insurance, Sun Health & Dental does not involve premiums paid to an insurer or claims processing. Instead, members pay providers directly at discounted rates. The plan covers primary care, specialist visits, dental, vision, labs, pharmacy savings, and free telemedicine. There are no waiting periods, and acceptance is guaranteed regardless of pre-existing conditions. Additionally, the company offers member advocacy services, including hospital bill negotiation, which reduced members' total claims by an aggregate average of 93% in 2026, and prescription assistance through which most qualifying members pay $0. Individual results may vary.
The implications of this announcement are significant for families in Florida and Texas who are struggling with the rising cost of health insurance. With the loss of enhanced subsidies, many are facing the difficult choice between paying exorbitant premiums or going without coverage. Sun Health & Dental's discount plan offers a middle ground—a lower-cost option that provides access to essential healthcare services without the financial burden of traditional insurance. While it is not insurance, it addresses a critical need for affordable healthcare access in states with high uninsured rates.
For more information, visit sunhealthdental.com or call 855-786-0626. Sun Health & Dental is licensed and regulated by the Florida and Texas Departments of Insurance and holds an A+ BBB rating, serving over 50,000 members.
