2027 Open Enrollment is open
“Obamacare is great for everyone except everyone.”
Most people wait until it's too late and get stuck on a plan they can't afford. Take 5 minutes on a phone call to see what you may qualify for — coverage for just you or the whole family, from a licensed agent serving clients in 31 states.
Healthcare math is weird like that.
Enroll for coverage Jan 1
Final deadline · coverage Feb 1
Example: Oklahoma’s average 2027 ACA rate increase. Your state will differ.
Source: healthinsurance.org2027 max out-of-pocket for an individual.
Source: CMS2027 max out-of-pocket for a family.
Source: CMSIn 2027 there's still no subsidy above 400% of the federal poverty level. Earn even $1 over the line and you pay the full premium. (Source: KFF)
Subsidy stops for a single person.
Subsidy stops for a couple.
Subsidy stops for a family of four.
Open Enrollment runs Nov 1 to Dec 15, 2026 (final deadline Jan 15, 2027). Talk to us before you enroll so you aren't caught off guard.
The odds are your price has very little to do with your medical history. It's mostly based on the overall health of your county — often closer to the least healthy person down the road than to you. Then the fine print kicks in. If you earn too much for a subsidy, you pay the full sticker price — and that sticker keeps climbing.
The average bronze plan deductible hit $7,476 in 2026, so beyond preventive care, most of your bills are yours until you've paid that much out of pocket (KFF). In other words, you're basically the insurance company… until you aren't.
Tap or hover a state. If it's shaded, Chris can show you every plan available in your county.
We look at what your 2027 renewal really costs — premium, deductible, and out-of-pocket.
We compare plans you qualify for so you're not stuck with an automatic renewal.
We help you lock in coverage by Dec 15 for Jan 1, or by Jan 15 for Feb 1.
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If your 2027 renewal made you wince, you're not alone. We'll compare the plans you qualify for and look for lower premiums, lower deductibles, and better coverage.
Better options may exist. Let's find out.
Free, no-obligation plan review with Chris Downham — licensed health insurance agent with 13+ years helping people on and off ACA plans. Agent help costs you nothing — the insurance companies pay me directly.
Or schedule directly on Calendly · Email downhamagency@gmail.com · 5909 NW Expressway, Suite 410, Oklahoma City, OK 73132
Enroll by December 15, 2026 for coverage starting January 1, 2027. Open Enrollment ends January 15, 2027; enrollments made by then start February 1, 2027.
It depends on your state, county, age, plan and subsidy eligibility. For example, healthinsurance.org reports Oklahoma's average 2027 ACA rate increase is 20.1%.
Generally, households earning 100% to 400% of the federal poverty level who buy a Marketplace plan and don't have affordable employer coverage or Medicare/Medicaid. For 2027 that's about $15,960 to $63,840 for a single person, or $33,000 to $132,000 for a family of four (KFF). See the 2027 subsidy cliff breakdown.
Then you pay the full sticker price for a Marketplace plan. That's the moment to compare: depending on your state and health, private non-ACA plans may cost less. A free review with Chris shows both side by side.
CMS set the 2027 maximum out-of-pocket limit at $12,000 for an individual and $24,000 for a family.
No. A quote and plan review with The Downham Agency is free with no obligation.
No. ObamacareSucks.com is a private campaign site run by The Downham Agency, a licensed insurance agency. It is not affiliated with any government agency or the Health Insurance Marketplace.
You probably can afford the occasional office visit or prescription. But you don't need insurance for the small stuff — you need it for the big stuff. ERs are required to stabilize you, not fix every problem, and specialists expect to be paid. Think of insurance like a bank loan: you don't wait until you desperately need it to apply. Coverage is often far cheaper while you're still healthy.
Plenty of people qualify for ACA subsidies, and that's a good thing. We specialize in the folks who don't quite fit the ACA box — small business owners, individuals and families whose income is too high for subsidies, or for whom a private plan makes more sense. When the exchange plan is the best option, we help you enroll in that too.
Every agent will happily sell you one. I won't. Those plans usually aren't very good, and you might honestly get more enjoyment spending that money on beer. I'd rather help you save on real insurance and be your freaking hero when you actually have to use it.
In many areas, yes. Private plans outside the Marketplace may be available, often with medical underwriting, so they aren't right for everyone. We don't recommend health sharing ministries or short-term plans as a substitute for real insurance.
Marketplace enrollment after Open Enrollment generally requires a Special Enrollment Period triggered by a life event like moving, marriage, a new baby, or losing coverage (HealthCare.gov). Private options may still be available in many areas, so it's worth a call.
Disclaimer
“Obamacare is great for everyone except everyone.”
Obamacare actually helps a lot of people — 87% of 2026 Marketplace enrollees got premium tax credits (KFF), and that's a good thing. This site isn't here to bash the system. It's here to help the people who don't qualify and feel like their premium looks like a mortgage.
After 13+ years helping people on and off ACA plans, we know one thing:
‘Fair cost’ does not always mean ‘equal cost.’
