Health Insurance
Not everyone's insurance story starts at 65. If you are self employed, between jobs, or your work does not offer coverage, we help you navigate individual and family health plans, including marketplace options and supplemental coverage that fills the gaps. Open enrollment comes once a year, but qualifying life events like a move, a marriage, or a job change can open the door at other times. If your situation just changed, talk to us soon.
What Is a Health Insurance Marketplace?
The marketplace is where individuals and families shop when coverage does not come from a job. The doors only open during certain weeks of the year, so timing matters.
Understanding the Affordable Care Act
The law set a floor for what a plan has to include and stopped companies from turning you away over your health history. Some households also qualify for help with the monthly cost.
Marketplace Plans: EPO, HMO, POS & PPO
Four letters that really describe one thing, which is how freely you can choose a doctor. We translate the letters into what they mean for the clinic you already visit.
Preventive Health Services for Adults
Checkups, shots, and screenings that catch trouble early are usually included with no extra charge when you stay in network. Many people never realize they are already covered.
Supplemental Health Insurance Overview
Extra layers that pay you directly when something serious happens, such as a hospital stay, an accident, or a diagnosis that keeps you away from work for a while.
Not Sure Where to Begin?
Send us a note and we will call you back to talk it through, at whatever pace you like.