Individual Health Insurance
Finding the right health plan means more than just picking the lowest premium—it’s about balancing doctors, deductibles, and your budget in a way that fits your life.
We simplify the process of exploring both ACA marketplace and off-exchange options, so you can see what works best without the confusion.
What We Help You With:
ACA & OFF-EXCHANGE PLANS →
Compare Affordable Care Act marketplace options with private off-exchange plans to see what works best for you. Side-by-side comparisons make it easier to find the right balance of benefits and cost.
SUBSIDY & COST ANALYSIS →
Check if you qualify for government subsidies that can lower your monthly premium. We’ll also review your total cost, including deductibles, copays, and out-of-pocket maximums.
HMO/PPO/HDHP/HSA →
Choose the type of plan that matches your health and budget needs, whether it’s a lower-cost HMO, flexible PPO, or a high-deductible plan with HSA tax advantages. Each network type offers different levels of access and savings.
OPEN & SPECIAL ENROLLMENT →
Enroll during the annual open enrollment period or take advantage of special enrollment if you’ve had a qualifying life event. Missing these windows could mean waiting months for coverage.
DOCTOR/HOSPITAL FIT→
Make sure your preferred doctors, specialists, and hospitals are included in your plan’s network. This ensures you keep the providers you trust while avoiding surprise bills.
Health Insurance FAQ
Am I eligible for a subsidy?
Depends on income, household size, and plan type. We’ll calculate it in minutes.
HMO vs. PPO—what’s better?
HMOs can cost less but restrict networks; PPOs are flexible with higher premiums.
What’s an HSA?
A tax-advantaged account paired with a qualified HDHP to pay medical expenses.
Can I change plans mid-year?
Only with a qualifying life event (move, birth, job loss, etc.).
Are my prescriptions covered?
We’ll check formularies and tiers so there are no surprises.