Medical Coverage Options
We serve self-employed individuals and workers without benefits with a flexible, à la carte menu tailored to your needs and budget.
- ACA Marketplace Plans: Comprehensive individual and family plans via HealthCare.gov with potential income-based tax credits and cost-sharing reductions.
- Spouse or Family Member's Plan: Join a spouse, domestic partner, or parent's (if under 26) active employer plan during Open Enrollment or within 60 days of losing other coverage.
- Medicaid: Low-cost or free state-administered coverage available year-round if your income falls below state thresholds.
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Private Off-Exchange Insurance: Plans purchased directly from private companies or brokers offering year-round flexibility, though ineligible for federal subsidies.
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Short-Term Health Insurance: Temporary gap plans (lasting months up to nearly three years) that are medically underwritten, exclude pre-existing conditions, and do not count as minimum essential coverage under the ACA.
à la carte options
"I can't say enough about the outstanding service I received from your company. They went above and beyond to meet my specific needs and exceeded expectations."
Tomachi Onyewuchi
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Guidance That Makes Sense
Insurance comes with questions. We help you understand your options, compare benefits, and feel more confident about your next step.
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Coverage Built Around You
Your needs are unique. We take the time to understand your priorities and explore options that fit your life and budget.