Licensed independent broker
If the best insurance is what you demand, let me lend a helping hand.
Honest, jargon-free guidance from a real human. I help families compare plans, understand the fine print, and choose coverage that actually fits.
Licensed
No pressure
Free consult
We ensure the quality
Get protected by health insurance before something bad happens.
I value transparency and education with my clients. I am not here to just sell you a plan. I will guide you while showing you your options, letting you make an educated decision. I am happiest when my clients leave wealthy, healthy, and happy.
The Reality of Going Uninsured
A Day Without Insurance Is Like A Day Without Sunshine
The unexpected happens every day. Without coverage, a single health event can derail your entire financial future. Here's what the numbers say:
Medical bills are currently the leading cause of bankruptcy in the United States.
ONE emergency room visit can cost up to $2,500 without insurance.
The right plan can save your family thousands every single year.
Our Commitment
A partnership for the future of healthcare
Coverage decisions today shape your family's wellbeing for years. Let's build a plan you'll trust through every season of life.
FAQ
Frequently Asked Questions
Can I only change my health insurance plan during Open Enrollment (November 1st – January 15th)?
Generally, yes Open Enrollment is the main window. However, qualifying life events (job loss, marriage, new baby, moving) unlock a Special Enrollment Period that lets you enroll or make changes outside of Open Enrollment.
What is a Special Enrollment Period (SEP)?
A Special Enrollment Period is a time outside of Open Enrollment when you can sign up for or change your health insurance plan. Qualifying events include losing other coverage, getting married, having a baby, moving to a new area, or changes in household income.
Am I subject to a financial penalty if I am uninsured?
At the federal level, the ACA penalty was reduced to $0 after 2018. However, some states (like California, New Jersey, and Massachusetts) still enforce their own individual mandates with penalties. Check your state's rules or ask me directly.
Do I have to keep the insurance offered through my employer, even if I don't like it?
No! If your employer's plan doesn't meet your needs, you may qualify for marketplace plans. However, if your employer's plan is considered "affordable" by ACA standards, you may not qualify for a subsidy on the marketplace. I can help you compare both options.
I have a doctor I've seen for years. If I change plans, can I keep seeing them?
Possibly! Whether your doctor is covered depends on the plan's network. Before switching plans, I'll verify whether your current doctors and preferred hospitals are in-network so there are no surprises.
Helping Hands Insurance
I am not affiliated directly with the Health Insurance Marketplace. I am a Licensed independent agent broker. NPN: 21054458.
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We ensure the quality
Get protected by health insurance before something bad happens.
I value transparency and education with my clients. I do not want to just sell you a plan I want to show you your options and let you make an educated decision. I am happy when my clients leave healthy, wealthy, and happy.