Individual & Family Health Plans

Not 65 yet? You still have good options.

If you don't get insurance through a job, whether you're self-employed, between jobs, retiring early, or your employer's plan is just too expensive, the ACA Marketplace is where individuals and families buy real, comprehensive health coverage. Every Marketplace plan covers essential benefits like doctor visits, hospital care, prescriptions, preventive care, and maternity, and you can't be denied for pre-existing conditions.

You may pay far less than you think

Most people who enroll through the Marketplace qualify for a premium tax credit, a subsidy based on your household income that lowers your monthly payment, sometimes dramatically. Many families are surprised to learn what they actually qualify for. Checking costs nothing, and so does my help: agents are paid by the insurance companies, so you never pay extra to work with me.

When you can enroll

• Open Enrollment: November 1 – January 15. Anyone can sign up or change plans for the coming year.
• Special Enrollment Periods. Life changes, such as losing job coverage, moving, getting married, or having a baby, open a window to enroll any time of year.

How I help

Same approach as with my Medicare clients: I learn about your household, your doctors, your medications, and your budget, then walk you through the plans that actually fit, including where each one puts you on the trade-off between monthly premium and out-of-pocket costs. You choose; I handle the paperwork. Need dental or vision coverage too? I help with standalone dental and vision plans as well, just ask when we talk.