UNDER 65 INDIVIDUALS & FAMILIES
Coverage that fits the life you actually have.
Self-employed, between jobs, or staring at an employer plan that costs more than your car payment. There is usually more choice than people realize, and often more help paying for it than they expect.
Is this you?
- You are self-employed and buying your own coverage.
- You just lost or left a job and the COBRA quote made your eyes water.
- You have a family plan but the deductible means you never actually use it.
- You got married, had a baby, or moved — and you think that might change your options.
- You have no coverage right now and you have been putting it off.
If any of these sound familiar, a 20-minute conversation will cost you nothing and probably answer more than you expect.
WHAT WE HELP WITH
What we look at with you
We compare what is on the Marketplace against what is not, and tell you plainly which side your situation falls on.
01
ACA Marketplace plans
The full Marketplace, plus the subsidy calculation most people get wrong. A surprising number of households qualify for help they never claimed.
02
Off-Marketplace options
Not every plan sits on the exchange. We show both sides so you can see the whole picture, not half of it.
03
Special Enrollment
Job loss, marriage, a new baby, a house move, aging off a parent’s plan — each opens a window outside Open Enrollment. We work out which one applies and how long you have.
04
Dental, vision and accident
The add-ons that cost little and get used often, plus hospital indemnity for high-deductible plans.
05
Life insurance for young families
Term insurance is at its cheapest in your twenties and thirties. We will tell you how much you actually need, not how much we could sell you.
06
Final expense
Simple coverage so a funeral never becomes a family debt.
Common questions
When is ACA Open Enrollment?
For 2027 coverage, Open Enrollment on HealthCare.gov runs November 1 to December 15, 2026. Some states that run their own exchanges set different dates, but none run past December 31, and all Open Enrollment coverage starts January 1. We’ll confirm your state’s dates on the call.
Do I qualify for a subsidy?
More people do than think they do, and the thresholds have changed. We run the actual numbers on the call — it takes a few minutes.
What if I missed Open Enrollment?
A qualifying life event opens a Special Enrollment Period, usually 60 days long. Job loss, marriage, a baby, or moving all count. Tell us what happened and we will check.
Is this free to me?
Yes. There is no charge for the review or for enrolling through us.
I am healthy and barely use insurance. Why bother?
Because the plan is for the year you are not. We will show you what a bad year costs with and without coverage, and you decide from there.
Can you help with just dental, or just life?
Of course. Plenty of people come to us for one piece and leave the rest alone.
Let's start with ten minutes
No cost, no pressure, and nothing sold on the first call. We listen first.
No cost · No pressure · Phone or video, wherever you are