INDIVIDUAL & FAMILY HEALTH INSURANCE
Coverage for the self-employed, early retirees, and families without an employer plan.
Whether you’re self-employed, between jobs, or covering your family outside of an employer plan, you deserve coverage that works for you. We help you compare every option available under age 65, so you get quality coverage at a reasonable monthly cost.
Your Coverage Options
1. Affordable Care Act (Marketplace) Plans
ACA plans are guaranteed issue: there are no health questions, and no one can be turned down because of a pre-existing condition. If your income qualifies, premium tax credits can lower your monthly cost. The trade-offs can include higher premiums without a subsidy, narrower provider networks, and high deductibles. We’ll check whether you qualify for savings and compare the plans in your area.
2. Private / Underwritten Plans
If you’re in good health, a private underwritten plan may offer lower premiums, broad national PPO networks, and more flexibility than a marketplace plan. These plans ask health questions when you apply, so they aren’t the right fit for everyone. We’ll help you see whether you qualify and how the costs compare.
3. Group Options Through Your Business
Self-employed with an LLC, S Corp, or other business entity? You may be able to access group-style plans that aren’t available to individuals. It’s one of the most overlooked ways to get better coverage for you and your family.
Why Work With Us
Our loyalty is to you, not to any one insurance company. We compare options across the market, explain the pros and cons in plain English, and handle the enrollment for you. Then we stay available for questions, claims, and renewals. There’s never a cost for our help.
