HEALTH / ACA
Coverage under 65, and the help paying for it.
Self-employed, between jobs, or staring at an employer quote that costs more than your car payment. There is usually more choice than people realize — and far more help with the premium than most households ever claim.
THE 1/10 RULE
Start as 1. Grow to 10.
Reach 100.
One leader develops ten people. Each of those ten is taught to do exactly the same thing. Three levels deep, one person’s work reaches around a hundred families — not because anyone worked harder, but because the system is simple enough to copy.
It runs on EEE, so what you learn is what you teach. Part-time, around the job you already have. Unique, duplicatable and teachable — and it works whether or not you ever get a license.
Who it is for
Individuals and families under 65 without employer coverage, or with employer coverage that is unaffordable.
What it costs you
Nothing. There is no fee for the review or the enrollment.
Key dates
Open Enrollment runs 1 November to 15 January in most states. Special Enrollment opens after a qualifying life event.
Bring to the call
Household size, expected income for the year, and the doctors and prescriptions you want kept.
Is this you?
- You are self-employed and buying your own coverage.
- You just left or lost a job and the COBRA quote was alarming.
- You have a family plan with a deductible so high you never actually use it.
- You got married, had a baby, or moved — and you suspect that changes something.
- You have no coverage right now and you have been putting it off.
If any of these sound familiar, a 10-minute conversation will cost you nothing and probably answer more than you expect.
WHAT WE HELP WITH
What an under-65 review covers
01
Marketplace plans
Every metal tier available in your county, with the real network and the real deductible rather than the headline premium.
02
Premium tax credits
Your subsidy eligibility calculated on your actual numbers, live on the call, in a couple of minutes.
03
Off-Marketplace plans
The coverage that never appears on the exchange, which can win when a subsidy does not apply.
04
Special Enrollment
Job loss, marriage, a new baby, a house move or aging off a parent’s plan — which one applies to you and how long the window stays open.
05
Dental and vision
Standalone plans for the household, since most health plans cover adult dental barely or not at all.
06
Cost-sharing reductions
The extra help that only attaches to Silver plans, and whether that changes which tier is right for you.
Common questions
When is Open Enrollment?
1 November to 15 January in most states, with cover starting 1 January or 1 February depending on when you enroll. Some states run their own dates and we will confirm yours.
Do I qualify for a subsidy?
More households do than expect to, and the thresholds have changed. We run your real numbers on the call — it takes a few minutes and costs nothing.
What if I missed Open Enrollment?
A qualifying life event opens a Special Enrollment Period, usually sixty days. Job loss, marriage, a baby, a move and losing other coverage all count. Tell us what happened and we will check.
Is there a fee for using an agent?
No. You pay exactly the same premium whether you enroll with us or on your own, and you get someone to call when something goes wrong.
What if my income changes mid-year?
Report it and the credit adjusts. We will show you where to do that so there is no surprise at tax time.
Can I be turned down for a pre-existing condition?
Not on an ACA plan. They cannot decline you or charge you more for health history.
Let's start with teb 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