Your household.
Your priorities.
Compare available coverage with the doctors, medications and healthcare needs of your household in mind.
INDIVIDUAL & FAMILY HEALTH INSURANCE
Coverage for the
way you live.
Self-employed, between jobs or looking for a family plan? Get help understanding individual health insurance and Marketplace options.
Explore my coverage optionsCOVERAGE OUTSIDE AN EMPLOYER
Different lives.
Personal guidance.
Your household.
You run your work.
We help with the coverage.
One-on-one guidance for business owners, independent contractors and people buying their own health insurance.
A new chapter?
Check your options.
When coverage or household circumstances change, we can help you understand whether an enrollment opportunity may be available.
MARKETPLACE / ACA
Understand the plan.
And the potential savings.
We help you explore Marketplace plans and understand whether financial assistance may be available.
Ask about Marketplace coverageHelp with monthly premiums
Depending on household income and other eligibility factors, a premium tax credit may reduce the cost of a Marketplace plan. Savings are based on the coverage year and your current application information.
Keep your application current
Changes in income, household or other coverage can affect eligibility and savings. We help you understand what information needs to be reviewed.
Employer coverage matters
An offer of employer coverage can affect eligibility for Marketplace financial assistance. We help you review the relevant details instead of relying on an old affordability percentage.
Savings reference: HealthCare.gov savings information
BEFORE YOU ENROLL
The details behind
the coverage.
We review the tradeoffs, so the premium is not the only number you consider.
Your providers
Doctors, specialists and preferred hospitals.
Your medications
Covered drugs, pharmacies and prescription costs.
Your costs
Premiums, deductibles, copays and out-of-pocket limits.
Your timing
Enrollment eligibility, deadlines and effective dates.
A yearly chance
to review coverage.
Marketplace Open Enrollment is the annual window to apply, renew or change plans. We help you confirm the current dates and the start date for the coverage you need.
Check current Marketplace dates
Review my health insuranceLife changed?
Timing matters.
Certain events, including losing qualifying coverage, moving, getting married, or having or adopting a child, may allow enrollment outside the annual window.
Eligibility, documentation and deadlines depend on the event. Losing coverage for nonpayment generally does not qualify on its own.
Check Special Enrollment rules
Check my enrollment optionsCLEAR ANSWERS
Before you
choose a plan.
Do I have to choose the lowest-premium plan?
No. Consider the premium alongside your deductible, out-of-pocket costs, providers and prescriptions. We can help you understand those tradeoffs.
Can you help when I lose employer coverage?
Yes. We can review available individual coverage and help check whether the loss creates a Special Enrollment Period. Contact us as soon as you know your coverage is ending.
Does ending COBRA always let me enroll?
No. Exhausting COBRA and choosing to end it early can have different enrollment consequences. Review your eligibility before cancelling existing coverage.
What should I do before renewing?
Review your expected household and income information, current providers and medications, and any plan changes. We can help you compare the plans we represent.
YOUR NEXT STEP
Health insurance questions?
Start with a conversation.
Local help for individuals, families and the self-employed.