The expiration of enhanced federal premium tax credits in late 2025 has led to a dramatic surge in health insurance costs for Americans, particularly in Florida and Texas. According to KFF, average monthly ACA Marketplace premiums have more than doubled in 2026, jumping from roughly $888 to nearly $1,904—a 114% increase. This spike has caused an estimated 7.3 million people to lose 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 growing interest from households priced out of traditional insurance. 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's plan involves no premiums to an insurer and no claims. Members pay providers directly at discounted rates. Benefits include 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 offers member advocacy, including hospital bill negotiation, which they say reduced members' total claims by an aggregate average of 93% in 2026, and prescription assistance through which most qualifying members pay $0. Individual results vary.
Sun Health & Dental is not insurance but is licensed and regulated by the Florida and Texas Departments of Insurance. It holds an A+ BBB rating and serves 50,000+ members. For more information, visit sunhealthdental.com or call 855-786-0626.
