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
The ACA plans sold through HealthCare.gov. We help you compare them side by side against the care you use.
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.
More on marketplace plans
Individual and family coverage
Coverage for your household, built around who needs care, how often, and which doctors you want to keep.
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.
More on individual and family coverage
Self-employed and contract work
Health insurance for freelancers, contractors, and owner-operators buying their own coverage.
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.
More on self-employed and contract work
Life changes and special enrollment
Lost coverage, moved, married, had a baby? Certain life events may qualify you for a Special Enrollment Period.
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.
More on life changes and special enrollment
Renewal review
Letting a plan roll over is easy, right up until the network or the drug list changes under you.
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.
More on renewal review
Enrollment help
Sit down with a licensed agent and work through the application together, in the office or by phone.
The application asks about income, household and coverage history in language that does not match how people describe their own lives.
More on enrollment helpNot 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.