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Option 1: On Exchange / Marketplace (

Choose this option to see if there is a change to lower your health Insurance cost.  Changes in April 2021 removed the income limit caps.  Log on to and apply for a subsidy to check your eligibility.


We recommend a multi-stage approach to reviewing options on the Federal Exchange / Marketplace. 

1.  Reach out to our office for a custom quote and link.  We will work with you to confirm doctors are in network.  This will help eliminate unwanted phone calls and emails. Link to HealthSherpa Site

2.  Visit .  You will not need to create an account to see quotes.

3. You’re welcome to create an account at  In doing so, you will apply for a Subsidy by entering in your personal information, to include income on all household members who will appear on the same tax return.   Allow 30-45 minutes to complete. During the process, you will be shown a screen labeled “Help applying for coverage.”  On this screen, it is vital that you enter the following information:

                        Agent/Broker’s name: Kirk Bernhard

                        National Producer Number (NPN): 2828814

                        FFM User ID:  bernhardcms

Entering this information will ensure that we, as your agent, are able to assist with your coverage during the enrollment process and in the future.

 4.  Once you have verified your eligibility for a government subsidy, please give us a call to review your health insurance plan options.


NOTE:  If you enroll online, please send us a copy of your enrollment summary.