How One Family Saved $800 a Month With an ACA Plan
When it comes to health insurance, most families want two things: affordable coverage and peace of mind. That was exactly what the Johnson family was searching for—until they discovered how much they were overpaying for their old health plan. After switching to an ACA health insurance plan, the Johnsons are now saving over $800 a month—without sacrificing the coverage they need.
Here’s how they did it—and how you might be able to save just like they did.
Meet the Johnson Family
The Johnsons are a family of four: James (a freelance web developer), his wife Sarah (a stay-at-home mom), and their two kids, ages 7 and 10. Like many families who are self-employed or run small businesses, the Johnsons were buying a private health plan directly from an insurance company—and paying a steep price for it.
They were spending $1,450 a month for coverage. The deductible? $8,000 per person. Every doctor visit felt like a hit to their wallet.
Finding a Better Option with the ACA
In late 2024, a friend mentioned the Affordable Care Act (ACA) to James. Curious but skeptical, he checked out Healthcare.gov to see what was available. He quickly realized two things:
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They qualified for a subsidy based on their income.
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They could get a better plan for way less money.
With a little help from a licensed agent, they applied for coverage and selected a Silver ACA Plan that met their needs.
The Results: Lower Premiums, Better Coverage
Here’s how the numbers worked out:
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Old Premium: $1,450/month
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New ACA Premium (with subsidy): $645/month
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Monthly Savings: $805
The best part? Their new deductible was lower, their kids’ doctor visits were fully covered under preventive care, and prescriptions were included. No more surprise bills. No more putting off appointments.
What Made the Difference?
The key was ACA subsidies, which are based on income, household size, and location. Many people don’t realize they qualify—especially freelancers, gig workers, or those who’ve had a change in income.
Thanks to the expanded subsidies in place through 2025, more families than ever are seeing huge savings—just like the Johnsons.
Could You Be Overpaying Too?
If you’re self-employed, between jobs, or just haven’t compared plans in a while, it’s worth looking into ACA options. Many people assume ACA plans are expensive, but the truth is: you could qualify for significant financial help.
Even if you missed open enrollment, you may still qualify for a Special Enrollment Period due to life changes—like moving, having a baby, or losing other coverage.
Final Thoughts
The Johnsons are just one example of how the Affordable Care Act is helping real families save money while staying covered. If you’re tired of overpaying for health insurance, it might be time to explore your ACA options.
Want to see how much you could save? Contact us today for a free, no-obligation ACA plan review. Your savings might surprise you. Call Now 754-203-3365!
