As the end of enhanced federal premium tax credits in late 2025 drives health care costs to new heights, Sun Health & Dental is offering a practical alternative for families in Florida and Texas. According to KFF, ACA Marketplace premium payments have more than doubled on average this year, jumping about 114% from roughly $888 to nearly $1,904 a month. This steep increase has left an estimated 7.3 million people without coverage, with 4.8 million becoming uninsured. Florida, with an uninsured rate near 13.2%, and Texas, the highest in the nation, are among the hardest hit.
Sun Health & Dental, a discount medical plan serving both states, reports growing interest from households priced out of traditional insurance. Memberships start 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. Unlike insurance, the plan involves no premiums to an insurer and no claims; members pay providers directly at discounted 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."
The plan includes primary care, specialist visits, dental, vision, labs, pharmacy savings, and free telemedicine, with no waiting periods and guaranteed acceptance regardless of pre-existing conditions. Member advocacy services include 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.
For those who have lost coverage or are facing unaffordable premiums, this discount medical plan offers a way to manage routine health care costs. It is not insurance but is licensed and regulated by the Florida and Texas Departments of Insurance, and holds an A+ BBB rating, serving over 50,000 members. As the landscape of health care affordability shifts, options like this provide a bridge for families needing immediate, budget-friendly access to care. More information is available at sunhealthdental.com.
