Affordable Care Act (ACA)
Marketplace health plans with subsidies that can bring premiums to $0/month for those who qualify.
Learn moreHealth · Medicare · LifeAffordable coverage,
Affordable coverage,
made simple.
With four decades of industry experience and 16 years serving the Southeast, families and employers trust Insurance Masters to cut through the confusion, and find real coverage at a price that makes sense. Honest advice, from people who pick up the phone.
- $0/month ACA plans for those who qualify
- Licensed, local agents, not a call center
- No cost to you, ever
Your estimate
ACA · 2026Estimated monthly premium
$0
after estimated tax credit
Plan typeSilver PPO
HouseholdFamily of 4
Est. subsidy$612 / mo
Sample estimate. Your actual savings depend on income & household.
- 80,000+
- Families covered
- 40
- Years of industry experience
- 16
- Years in business
- $0
- Cost to work with our agents
Our Home Base
A real office, a real team
No call center, no outsourced support. This is our actual headquarters in North Augusta, and the licensed agents who'll answer when you call.
332 Edgefield Road, North Augusta, SC 29841
The real numbers
Affordable plans, as low as $0 for those who qualify
This isn’t a sales pitch, it’s our actual book of business. Here’s what our clients really pay for ACA coverage.
- $0
- Monthly premium for 37% of our ACA members
- 50%
- Pay less than $10 a month
- $74.40
- Average monthly premium
- 60,313
- ACA policies placed and counting
Figures reflect Insurance Masters’ active ACA policies. Your premium depends on income, household size, and location, most clients qualify for a premium tax credit that lowers what they pay.
What we cover
One team for every kind of coverage
Health, Medicare, life, and the extras in between. We shop the whole market so you don't have to, then explain your options in plain English.
Medicare
Turning 65 or reviewing your plan? We compare Advantage, Supplement, and Part D options for you.
Learn moreICHRA for Employers
A modern alternative to group plans, reimburse employees tax-free for coverage they choose.
Learn moreSupplemental Accident
Cash benefits that help cover the gaps, deductibles, ER visits, and time away from work.
Learn moreDental & Vision
Standalone dental and vision plans that keep routine care simple and predictable.
Learn moreLife & Final Expense
Term, whole, and final expense policies that protect your family and cover what's left behind.
Learn moreHow it works
Getting covered takes three steps
We do the heavy lifting. You get clear choices and a person who answers when you call.
01
Tell us about you
A quick call or message, your household, budget, and the doctors you want to keep. No pressure, no jargon.
02
We shop the market
We compare plans across top carriers and check every subsidy and tax credit you qualify for.
03
You get covered
We handle the paperwork and enrollment, and we're still here for you long after you sign up.
Why Insurance Masters
Built on honesty, transparency, and putting clients first
Insurance Masters started with a simple frustration: buying coverage felt confusing, impersonal, and quietly expensive. So we built the brokerage we wished existed, one where advice is honest, pricing is clear, and a real person stays in your corner.
- Honesty first
- We tell you what we'd tell our own family, even when the honest answer is "you don't need that."
- Total transparency
- No hidden fees, no surprise commissions. You see every option and every cost, side by side.
- Clients before quotas
- We're independent, so we work for you, not for one carrier's sales targets.
For employers
Why employers are switching to ICHRA
An Individual Coverage HRA lets you support your team's health coverage on a fixed budget, and gives employees the freedom to choose their own plan. We handle setup, compliance, and enrollment end to end.
Group plans are expensive and rigid. ICHRA flips the model: you decide the budget, your people choose the coverage, and everyone wins on flexibility and cost.
Talk to an ICHRA specialistPredictable costs
Set a monthly budget and reimburse tax-free. No more surprise renewal hikes.
Real choice for staff
Employees pick the plan and doctors that fit their lives, not a one-size-fits-all group plan.
Works for any size
From a team of two to a growing company, ICHRA scales without the group-plan headaches.
Get started
Get your free quote today
Tell us a little about what you need and a licensed agent will reach out, usually the same day. No cost, no obligation.
Call us
(803) 761-0222Visit
332 Edgefield Road, North Augusta, SC 29841
Hours
Mon-Fri · 9am-6pm ET