Services
Health insurance for people who buy their own
I compare plans, explain them clearly, and stay with you after you enroll.
What I do
4 ways I help you
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Plan comparisons
I narrow plans down to the best fit for your cost and coverage needs.
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Screen-share walkthroughs
I explain the coverage on screen, so you know what you're buying.
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Application help
Once you decide, we complete the application together.
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Help after you enroll
Call me with questions instead of waiting on hold with the insurance company.
Private plans are medically underwritten, so approval isn't guaranteed. If one isn't a fit, I'll tell you and point you to other options.
If you're self-employed or 1099
You don't have a group plan to fall back on. I compare private plans with Marketplace plans and show you what each one really costs.
A good fit if
- You're a freelancer, contractor, or business owner
- You're healthy and under 65
- You want to understand what you're buying
If you're leaving a job
COBRA keeps your old plan, but you usually pay the full premium yourself. Compare it with other options before you decide.
A good fit if
- Your job coverage has ended or is about to
- You got a COBRA letter and want a second opinion
- You want to keep your doctors in network
If you're above the subsidy limit
When Marketplace tax credits don't apply to you, full-price premiums can be steep. I'll show you what else is out there.
A good fit if
- Marketplace tax credits don't apply to you
- Your Marketplace price feels too high
- You're comfortable answering health questions to apply
If you're a small business owner
Practical coverage for teams of about 5 to 6. I walk you through the options in plain language.
A good fit if
- You have a team of about 5 to 6
- You don't have an HR department
- You want one person to call with questions
Private or Marketplace
Which kind of plan fits you?
It depends on your income and your health.
Private plans usually fit best if
- You don't qualify for a Marketplace tax credit
- You're in good health
- You're comfortable answering health questions to apply
Marketplace plans usually fit best if
- You receive a Marketplace tax credit
- You have a major health condition
- You take costly medications you need covered
Private plans ask health questions before approving you. Marketplace plans accept everyone. Not sure which describes you? Contact me and I'll help you find the right fit.
Ready for your estimate?
Answer 4 quick questions and see what private and Marketplace plans may cost you. No email or phone number needed.
FAQ
Common questions
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Do I have to pay for your service?
No. You don't pay me anything. The insurance company pays me.
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How do you get paid?
The insurance company pays me when you choose a plan. Your price is the same whether you enroll with me or on your own.
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Do you help after I enroll?
Yes. I stay with your policy, so when you have questions or need help you can call me instead of waiting on hold with the insurance company.
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What's medical underwriting?
The insurance company asks about your health before approving a plan. Your answers decide whether you're approved and what you pay, so approval is never guaranteed.
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What if a private plan isn't a fit for me?
I'll tell you, and I'll point you to other options, such as a Marketplace plan.