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Do any of the below situations apply to you?
Do you have another complicated health care situation you need help with?
Are you just trying to figure out how to navigate health insurance for the first time?
Feel free to book a personalized consultation!
400k
Self-Employed
Are you your own boss?
Do you own your own business that unfortunately does not come with benefits?
Working for yourself?
There are health insurance plan options available for entrepreneurs that understand the important of staying healthy and wealthy.
340+
Independent Contractor/10-99
Freelance worker?
Do you make money from a bunch of different types of jobs?
Is your work typically contract work?
Are you your own boss?
There are health insurance plan options for the independent contractor that makes their money working on different projects.
24hr
Small Business Owners
Are you interested in exploring insurance options for the employees of your small business?
We can work together to find the perfect plan for your small business of up to 10 employees.
400k
Unhappy with your employer coverage?
Does your employer even offer health insurance?
Just because an employer offers insurance, does not mean you have to like it.
Are you unhappy with your employer plan in general?
Sometimes adding a spouse and children to an employer plan can get pricey.
Contact us to explore your options with no obligations.
340+
Make too much money to qualify for a subsidy on the Health Insurance Marketplace?
If you make up to 300% of the FPL (Federal Poverty Level) a year, which can be roughly anywhere from $65,000-$70,000 depending on where you live, you could potentially qualify for a subsidy.
Think of a subsidy as a discount or coupon. Subsidies can be great, especially when the plan you have access to is a good plan.
However, if you do not qualify for a subsidy, you may feel stuck with high premiums with high deductibles and less than perfect coverage. That's where we come in.
24hr
Looking for additional supplemental coverage to add onto current coverage?
Having health insurance is good, but having the right kind of coverage is the most important part.
Prone to accidents? Want extra coverage for a "worst case scenario" health event? Interested in critical illness protection?
There are supplemental plans available for all of these situations and more.
Frequently Asked Questions
Can I only change my health insurance plan during Open Enrollment (November 1st-January 15th)?
No. Private health insurance plans have no SEP (Special Enrollment Period) or Open Enrollment so they are available year round. However, plans on the healthcare Marketplace can only be changed during Open Enrollment or a Special Enrollment Period.
What is a Special Enrollment Period (SEP)?
A SEP is a time of the year outside Open Enrollment when you are eligible to sign up for a plan on the health insurance Marketplace. Typically SEPs are based on changes in specific life events. For example, losing health coverage, moving, having a baby, getting divorced, or any other change in the household usually qualifies someone for a SEP.
Am I subject to a financial penalty if I am uninsured?
No. The Federal penalty for being uninsured ( aka the "Shared Responsibility Mandate") was ended in 2018. You will not get penalized by the Federal Government for being uninsured.
Do I have to keep the insurance offered through my employer, even if I do not like it?
Absolutely not! If there is a private plan option you like more than your employer insurance, usually it's just as simple as sending a "Certificate of Insurance" to your employer's benefits department.
I have a doctor I have seen for years that I know and trust. If I change health insurance plans, will I still be able to see them?
Of course! Just make sure to mention that to your agent/broker and they can make sure to pick a plan that has your doctor in-network.
How long can my child stay on my insurance?
According to the Affordable Care Act (ACA), your child may stay on your health insurance plan until they turn 26. This may vary by a year or two depending on your state so make sure to check your state's specific requirements.
I am not affiliated directly with the Health Insurance Marketplace. I am a Licensed independent agent broker. NPN: 21054458. Terms
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