Future Financial: health, life, insurance, retirement
For the self-employed, business owners and early retirees

Paying full price for health insurance? Healthy households have a second option.

Marketplace plans have to charge you the same as everyone else your age, no matter how healthy you are. Private plans look at your health instead, so a healthy household may pay less. A licensed agent prices both for you, then tells you which one actually wins.

Tell us in your own words
What are you paying now, and what's going on?
No Social Security number · No cost · One agent, your details never sold
© 2026 Future Financial

Worth four minutes if...

A good fit
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Probably not, and here's your better answer
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Appointed with the carriers we quote Independent. Not owned by any insurance company.
Watch first · 2 minutes

Kyle explains the second market.

Why the marketplace can't give a healthy family a better price, what private plans do differently, and the catch.

Most people who call us are in one of three spots.

Whichever one sounds like you, the first step is the same.
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Why healthy people pay full price.

Marketplace prices can only change with your age, your ZIP code and whether you smoke. Your health isn't allowed into the price. That rule protects people who are sick... and it means a healthy household pays the same as everyone else its age. With no tax credit, that's the full sticker price.

Private plans are allowed to ask about your health. So if your household is healthy, the price can reflect it.

The catch, said out loud

Private plans ask health questions before they approve anyone. Not everyone is approved, some conditions can be excluded, and they aren't ACA (Obamacare) plans. That's why they can cost less for a healthy household. If the marketplace is still your better deal, Kyle will tell you.

Swipe to compare my options
Side by side
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Marketplace
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Private plan
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How it works

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Four minutes, one question at a time
Doctors and prescriptions checked by name
A straight answer, in plain language
Kyle Santos, owner and founder of Future Financial
Kyle Santos
Owner & Founder

Independent by design.

Kyle started Future Financial to sit down with self-employed families, business owners and early retirees, price every market open to them, and tell them plainly which one wins. We're independent, not tied to one insurance company, so we recommend whatever actually fits you.

And we don't disappear after you sign up. You'll have a direct line for renewal time, a change in income, or a claim that gets denied. Need life insurance or retirement planning too? Kyle handles those as well.

“I'd rather tell you your current plan is fine than sell you a new one. That's the whole business.”

What clients say

Unedited, straight from our Google profile.

Read all our reviews on Google →
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Renewal letters come every year

Price both markets before you pay full price again.

Four minutes of questions, then one licensed agent compares both markets for your household. No cost, no Social Security number, and nothing changes unless you decide it should.

Or renew at full price and see what next year's letter says.
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Read them all →

Client reviews are individual experiences and are not a guarantee of any particular coverage, price, or outcome.

Future Financial
Coverage Individual health Employee benefits Life insurance Retirement & annuities

Future Financial is a licensed independent insurance producer serving clients nationwide. We are not a government website and are not affiliated with HealthCare.gov, the Centers for Medicare & Medicaid Services, or any state exchange. We do not charge consumers a fee; agents are compensated by the issuing carrier. Nothing on this page is an offer of coverage or a determination of eligibility. Plan availability, provider networks, drug formularies, cost sharing, and any financial help you may qualify for vary by state and county and are confirmed only on a completed application. Private, medically underwritten and short-term health plans are not ACA qualified health plans. They ask health questions, not every applicant is approved, and they may exclude pre-existing conditions and some benefits the ACA requires. Your agent reviews these differences with you before you apply. We do not sell your personal information. By requesting a review you consent to be contacted by a licensed Future Financial agent by phone, text, or email about your request; consent is not a condition of purchase and you may opt out at any time.

© 2026 Future Financial Licensed nationwide · Independent agency
Free · No obligation
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Thank you. Watch this before your call.

A licensed agent has your answers and will reach out {{ contactLine }}. The video below covers what they'll ask and what to have handy. It makes the call about half as long.

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While you wait: the four questions we get asked most.

Short answers, in Kyle's words.
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Something change since you submitted?

Resubmit and the newer answers win. Nothing has been sent to a carrier or an exchange.
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No Social Security number · No cost · Nothing is sent to an insurance company
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