Health Insurance You Can Actually Understand
Coverage for individuals, families, and the self-employed. I help you compare Marketplace and off-exchange options — in plain language.
Available in: Florida · Texas · South Carolina
Worried About the Cost of Health Insurance?
Coverage cost can depend on several factors. I don't promise $0 premiums or guaranteed savings. What I do is help you understand what you may qualify for.
Questions You Probably Have
What will coverage cost?
Cost depends on factors like your household, location, age, coverage choice, and Marketplace eligibility. I'll help you understand what plans may cost and what financial assistance you may qualify for.
Could I qualify for Marketplace savings?
You may qualify for premium tax credits or cost-sharing reductions depending on applicable rules and your household circumstances. Eligibility is not guaranteed — I can help you understand what may apply to you.
Is my doctor in-network?
Networks vary by plan and carrier. I'll help you check whether your preferred doctors and providers are included before you choose a plan.
Are my prescriptions covered?
Each plan has a formulary (drug list). I'll help you check whether your medications are covered and at what tier, so there are no surprises.
What is my deductible?
A deductible is the amount you pay before your plan begins sharing costs. I'll explain deductibles, copays, and out-of-pocket maximums in plain language so you know what to expect.
Marketplace or off-exchange?
Marketplace (ACA) plans may offer financial assistance based on income. Off-exchange plans are purchased directly from carriers and may suit certain situations. I'll help you understand which path fits your needs.
What happens if I lose employer coverage?
Losing employer-sponsored coverage may trigger a Special Enrollment Period. I can help you understand your options and timing.
Can I enroll outside Open Enrollment?
You may qualify for a Special Enrollment Period due to certain life events like losing coverage, moving, marriage, or having a baby. Otherwise, Open Enrollment is the annual window. I'll help you understand what applies.
What if I am self-employed?
Self-employed individuals can shop the Marketplace or off-exchange just like anyone else. I'll help you compare options that fit your budget and needs.
What if my income changes?
Income changes can affect your Marketplace savings. I can help you understand how to report changes and what it may mean for your coverage.
Important: Marketplace/ACA plans are major medical coverage that complies with health care law. Short-term, fixed-indemnity, and supplemental plans are not substitutes for comprehensive ACA major medical coverage. I'll help you understand the difference so you can choose with clarity.
You Don't Have to Figure It Out Alone.
Start online or call a real person. I'll be here when you have questions — now and after you enroll.