Individual & Family Health (ACA)
Health coverage for you and your family.
Between jobs, self-employed, or just never offered coverage at work — the Marketplace exists for exactly this. Most people qualify for help paying the premium, and most people never find out. We check.
How Marketplace plans work
The ACA Marketplace is where individuals and families buy health insurance without an employer. Every plan covers the essentials — doctor visits, hospital care, prescriptions, preventive care — and no plan can turn you down for a pre-existing condition.
The subsidy is the whole game
Premium tax credits lower your monthly bill based on your household income. The difference between the sticker price and your real price is often hundreds of dollars a month. We run your numbers before we talk plans.
Metal tiers, translated
Bronze, Silver, and Gold aren't quality ratings. They're a dial between a lower monthly premium and lower costs when you actually use care. We help you pick the dial setting that matches how you actually use the doctor.
Changed jobs? Lost coverage?
Losing job-based coverage opens a special enrollment window — usually 60 days. Don't wait for the fall open enrollment if life just changed. Call us the week it happens.
What we do for you
- Check your subsidy eligibility and estimate your real monthly cost.
- Compare the plans available in your county — networks, deductibles, and drug lists included.
- Make sure your doctors and your prescriptions are covered before you commit.
- Complete the Marketplace application and enrollment paperwork with you.
- Handle mid-year changes: new job, new baby, new address, new income.
- Review it again every year, because the plans change every year.
This is for you if…
- You're self-employed or your employer doesn't offer coverage.
- You're between jobs and COBRA looks too expensive.
- You're under 26 and about to age off a parent's plan.
- You retired before 65 and need a bridge to Medicare.
This opens our secure quoting partner, HealthSherpa, in a new tab.
Let's find out what you qualify for.
No cost, no obligation, no pressure. Just a conversation.