The end of enhanced federal premium tax credits in late 2025 has sent 2026 health costs soaring. According to KFF, ACA Marketplace premium payments more than doubled on average this year — up about 114%, from roughly $888 to nearly $1,904 a month. An estimated 7.3 million people lost coverage, with 4.8 million becoming uninsured. Florida, with an uninsured rate near 13.2%, and Texas, the highest in the nation, were 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 coverage. The plan offers memberships starting at $40 a 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 insurance, the 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. Member advocacy includes hospital bill negotiation, which 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.
The timing of this alternative is critical. As premiums double, many families are forced to choose between paying for coverage or other necessities. Sun Health & Dental provides a viable middle ground, offering predictable costs and a broad network of providers. The plan is licensed and regulated by the Florida and Texas Departments of Insurance, ensuring a level of oversight.
For those who have lost coverage or are struggling with high premiums, this discount medical plan offers immediate access to care without the burden of claims or deductibles. It's a pragmatic solution for everyday health needs, from doctor visits to dental care and prescription savings. As the healthcare landscape shifts, such alternatives may become increasingly important for families seeking affordable care.
