What we help with
Individual & Family Health Insurance for People Under Age 65, including ACA Marketplace coverage. Whatever brings you here, the work starts the same way: we help you understand the care you use, then compare plans against it.
Marketplace plans
Marketplace plans are the individual and family plans sold through HealthCare.gov. Most people call them Obamacare plans. They come in metal tiers, and the tier only tells you how a plan splits costs with you. It says nothing about whether your doctor takes it.
You may qualify for premium tax credits depending on your household income and eligibility. We help you check whether you qualify, then compare plans from the carriers we're appointed with before anything is submitted.
What we help you check and compare
- Your current doctors, against each plan's network
- Your prescriptions, against each plan's drug list
- What a whole year is likely to cost, not just the monthly premium
Individual and family coverage
A household rarely needs one kind of coverage. One person refills a prescription every month, another sees a specialist twice a year, a third has not been to a doctor since school.
We start from that picture, not from a plan list, so the comparison is about your year of care rather than a column of premiums.
Worth bringing to the conversation
- Everyone who needs coverage, and their dates of birth
- The doctors and specialists each person wants to keep
- Any care already on the calendar for next year
Self-employed and contract work
With no employer plan, the whole decision sits with you. Income that changes month to month makes the application's income question harder than it looks.
We help you put a considered number on the form and explain what to do when the year turns out differently than you expected.
The income question
If you qualify for premium tax credits, they are worked out from an estimate of next year's income, and any difference is settled when you file your taxes. A careful estimate now helps keep that settlement small.
Life changes and special enrollment
Certain life events may qualify you for a Special Enrollment Period: a short window to enroll or change plans outside open enrollment. It closes quickly, and the Marketplace usually asks for documents.
We help you understand whether your situation may qualify, what proof the Marketplace asks for, and which deadline applies.
Life events that may qualify you
- Losing job-based or other qualifying coverage
- Moving to a new coverage area
- Marriage, divorce, a birth or an adoption
- A change in household income or immigration status
Renewal review
Carriers change networks, drug lists and cost sharing between plan years, and some plans are dropped altogether. A plan that fit last year can stop fitting while you do nothing at all.
Every autumn we help you review what changed on your current plan and compare it with what is new, before you let it renew.
Worth checking every autumn
- Whether your plan still exists next year
- Whether your doctors are still in its network
- Whether your prescriptions moved tiers
- Whether your income estimate still matches reality
Enrollment help
The application asks about income, household and coverage history in language that does not match how people describe their own lives.
We go through it question by question, so the answers are right and you know what each one affects. Nothing is submitted until you say so.
After you enroll
You keep a direct line for the rest of the year: a mid-year change, a renewal question, or a claim that is not going the way it should.
Not sure which of these you need?
Neither are most people on the first call. Open enrollment for 2027 coverage runs November 1, 2026–January 15, 2027. Start whenever you like, and bring your questions.