Sun Health & Dental Offers Florida and Texas Families a Lower-Cost Alternative as 2026 Premiums Double
As ACA premiums more than doubled in 2026, the Miami Lakes-based discount medical plan reports rising demand from families, students, and small business owners.
MIAMI, FL, August 18, 2026 -- The end of enhanced federal premium tax credits in late 2025 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, 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.
Sun Health & Dental, a discount medical plan serving Florida and Texas, says it is seeing growing interest from households priced out of traditional coverage. Memberships start at $40 a month for individuals, $45 for couples, and $50 for families of up to five, giving 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.
About Sun Health & Dental: Sun Health & Dental provides Florida and Texas members affordable access to a nationwide network of more than 600,000 providers, starting at $40 a month. It holds an A+ BBB rating and serves 50,000+ members. Sun Health & Dental is not insurance but is licensed and regulated by the Florida and Texas Departments of Insurance. Learn more at sunhealthdental.com or call 855-786-0626.
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Jennifer MorSun Health & Dental
Miami, Florida
United States
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