The expiration of enhanced federal premium tax credits in late 2025 has triggered a dramatic surge in health care costs for many Americans. According to KFF, ACA Marketplace premium payments have more than doubled on average in 2026, jumping from roughly $888 to nearly $1,904 per month. This increase has led to 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 number 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.
"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 operates without premiums to an insurer or claims. Members pay providers directly at discounted rates. The plan includes primary care, specialists, dental, vision, labs, pharmacy savings, and free telemedicine, with no waiting periods and guaranteed acceptance regardless of pre-existing conditions. The company also provides member advocacy services such as 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.
This offering comes at a critical time for residents of Florida and Texas, where the impact of rising premiums has been severe. With uninsured rates already high, the loss of subsidies has forced many families to make difficult choices between health care and other necessities. Sun Health & Dental's model provides a predictable monthly cost and immediate access to care, which can be a lifeline for those priced out of the traditional insurance market.
While not insurance, Sun Health & Dental is licensed and regulated by the Florida and Texas Departments of Insurance and holds an A+ BBB rating. It currently serves over 50,000 members. For more information, visit sunhealthdental.com or call 855-786-0626.
