WHO WE HELP

Health Coverage Options for Individuals Under 65

Whether you're self-employed, between jobs, or exploring coverage outside of an employer plan, we help you compare options that fit your healthcare needs and budget. Many individuals may qualify for $0 monthly premium plans depending on income and eligibility.

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Plans with income-based subsidies available
Multiple carriers compared
Licensed guidance at no additional cost

COVERAGE OPTIONS

We evaluate your unique circumstances to match you with optimal coverage—whether through the ACA marketplace, private networks, or short-term policies.

Government-Subsidized ACA Plans

Comprehensive federal plans designed to make healthcare affordable through income-based financial assistance.

Mandated essential health benefits included
Guaranteed acceptance (no pre-existing condition denials)
Federal tax credits to lower monthly premiums
Access to both HMO and PPO networks
Preventive care covered at $0 for most in-network preventive services under ACA guidelines
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Most Popular

Premium Private Insurance

High-tier flexible plans operating outside the federal marketplace, offering expansive networks and maximum control.

Access to broader, nationwide provider networks
Highly customizable benefit structures
Enrollment available outside standard ACA open enrollment windows — eligibility and timing vary by plan
Premium PPO options with direct specialist access
Excellent choice for households not qualifying for subsidies
Explore Private Plans

Interim Short-Term Coverage

Rapid-activation policies designed to protect you during career transitions, moves, or sudden coverage gaps.

Next-day coverage activation available
Significantly lower monthly premiums
Flexible policy lengths (1 to 12 months)
Ideal safety net for generally healthy individuals
Customizable deductibles to fit your budget
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HMO vs. PPO: Which Plan Fits You Best?

Understanding the differences will help you choose the right coverage for your family's lifestyle and medical needs.

Feature HMO PPO
Monthly Premium Most Affordable Slightly Higher
Out-of-Pocket Costs Generally Lower Varies
Specialist Referrals Yes (Required) No (Direct Access)
Primary Care Doctor (PCP) Yes (Mandatory) No (Not Required)
Out-of-Network Care Emergencies Only Yes (Covered)
Network Size Local / Regional Massive / Nationwide
Perfect For... Strict budgets & routine care Ultimate flexibility & travelers

Not sure which is right for you? Talk to an advisor — it's free.