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2026 plan yearLive Marketplace pricingDemonstration site

Nine stages between you and coverage that fits.

One licensed agent. One page. Start with your ZIP code — everything after it happens here, in order, with nothing hidden behind a phone call.

Three in ten US ZIP codes cross a county line, and ACA prices are set county by county — so this asks rather than guesses.

NPN 16974880 1-847-754-4628 Nothing stored on a server

A nine-segment dial marking progress through the nine stages of this enrolment.

Who you are talking to

Edward Gudas is one person, and that is the point.

There is no call centre behind this page and no lead form that sells your number on. The producer number below is public — look it up before you tell anyone anything.

Marketplace premiums are fixed by the carrier and filed with the state. They are identical whether you enrol alone on HealthCare.gov or with a licensed agent, because the agent is paid by the carrier. What an agent adds is somebody who has read the formulary, knows which network your cardiologist is in, and picks up the phone in March when a claim is denied.

1-847-754-4628Licence, disclosures and what is recorded

Licensed, and checkable

National Producer Number 16974880, writing under Gradepoint Insurance Group (NPN 21297322). Both numbers are in the plate at the bottom of every page.

Marketplace data, not a brochure

Every premium, deductible and formulary answer on this page comes from the CMS Marketplace API at the moment you ask for it. Nothing is a stock figure.

Your details stay in your browser

The half-finished application lives in this tab and dies with it. The only thing that ever leaves is a county, some ages, and — if you choose to submit — the record you are shown first.

Demonstration. Plan prices are live from the CMS Marketplace API, but nothing you enter here is transmitted to the Marketplace, to CMS, or to any carrier, and nothing is stored on a server.What is recorded, in full →

The enrolment

All nine stages, on this page.

Each stage collapses into a summary you can reopen and correct. Nothing disappears behind you, and nothing is asked twice.

Five digits. The county lookup runs as soon as the fifth arrives.

The Marketplace looks at modified adjusted gross income for the whole household — everyone on the tax return, not only the people applying. An estimate is fine; it is reconciled at tax time either way.

Medications

Typing a medication here lets the plan search mark which plans carry it on their formulary. The list comes from the National Library of Medicine. If yours is not in it, type it anyway — it will be carried through for Edward to check by hand.

No medications added. That is completely normal — skip straight past.

Doctors and facilities

Free text. This demonstration does not verify these against a plan's network — that is a call Edward makes with the carrier, and a website that claimed otherwise would be lying to you.

None added.

Every plan available in your county, priced for the people you listed, with the premium shown before and after the estimated tax credit. Filters are built from what this county actually offers — no invented brackets.

If you were enrolled last year, the Marketplace has already decided where your plan goes. This looks up that decision, then prices the successor for your household so the answer is a number rather than an ID.

Everything captured so far, section by section. Each one has an edit link that takes you back to that stage and brings you here again.

Attestation

    This is a separate record from the consent on stage seven, with its own hash.

    Here is everything that would be recorded, listed before you press anything. Nothing on this list is a surprise, and nothing here is a tracking apparatus — there is no fingerprinting of any kind on this site.

    Before you start

    The questions everybody asks.

    Is this a real application?
    No. Every price on this page is live from the CMS Marketplace API, and the consent wording is the real CMS model form — but nothing you enter is transmitted to the Marketplace, to CMS, or to any insurance carrier, and nothing is written to a server. This is a design demonstration.
    Why does it ask which county I live in?
    Because roughly three in ten US ZIP codes fall across two or more counties, and ACA plan availability and price are set county by county. Guessing would show you the wrong plans at the wrong prices. The bundled Census table covers 33,791 ZIPs and is checked against the Marketplace’s own list.
    Do I have to give a Social Security number?
    Not here. This demonstration records only whether you say you have one available. A real Marketplace application does ask for it, and Edward would collect it directly on HealthCare.gov rather than on a website like this one.
    What does signing the consent form actually do?
    The CMS Model Consent Form for Agents and Brokers is what lets a licensed agent look at, and act on, your Marketplace application. It is required before an agent touches your account, it lasts until you revoke it, and you revoke it by emailing Edward. On this page it is reproduced word for word and recorded with a SHA-256 hash of the exact wording you were shown.
    What is recorded when I sign?
    Your network address, what Cloudflare resolves from it, your browser string, the time, how long you spent on each stage, and a hash of the consent wording. All of it is listed on stage nine before you submit, and shown back to you afterwards. There is no fingerprinting, no analytics and no third-party script anywhere on this site.
    Does using an agent cost more?
    No. Marketplace plan premiums are the same whether you enrol on your own, through HealthCare.gov, or through a licensed agent. Agents are paid by the carrier, not by you.
    Start at stage oneTalk to Edward instead