The expiration of enhanced federal premium tax credits at the end of 2025 has driven up health insurance costs for millions of Americans, with Marketplace premiums more than doubling on average this year. According to KFF, monthly premiums surged by approximately 114%, from about $888 to nearly $1,904. This increase has led to an estimated 7.3 million people losing coverage, leaving 4.8 million uninsured. Florida, with an uninsured rate near 13.2%, and Texas, which has the highest uninsured rate in the nation, have been particularly affected.
In response, Sun Health & Dental, a discount medical plan serving Florida and Texas, reports a growing demand 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. These memberships provide 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 includes benefits such as primary care, specialist visits, dental, vision, lab work, pharmacy savings, and free telemedicine. There are no waiting periods and acceptance is guaranteed regardless of pre-existing conditions.
The company also offers member advocacy services, including hospital bill negotiation, which in 2026 reduced members' total claims by an aggregate average of 93%. Additionally, prescription assistance is available, through which most qualifying members pay $0 for their medications. Individual results may 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 more than 50,000 members. As the cost of traditional coverage continues to rise, this alternative provides a viable option for those seeking affordable and predictable healthcare access.
