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Individual health insurance programs are designed for individuals and families who cannot obtain health insurance through an employer. Due to the continually rising cost of medical care, it has become more important to provide health insurance for you and your family.
Obtaining Individual Health insurance no longer requires medical underwriting and no longer has pre-existing exclusions. Generally, individuals and families will need to shop for and/or change their health plan annually during the “Open Enrollment Period”, which is from November 1st through December 15th for January 1st coverage.
Key Components of the Affordable Care Act (ACA)
Created state-based exchanges where individuals and families can shop for health insurance, often with financial assistance based on income.
Expanded Medicaid eligibility to cover more low-income individuals and families. However, states have the option to accept or reject expansion.
Insurers can no longer deny coverage or charge higher premiums based on pre-existing conditions.
Health plans must cover 10 essential benefits, including maternity care, mental health services, emergency services, and preventive care.
Financial assistance is available for individuals and families with incomes between 100% and 400% of the federal poverty level to help reduce the cost of premiums and out-of-pocket expenses.

Tell us about your needs. We will listen and clearly explain what options are available for the type of coverage you are looking for.

We will answer all your questions and break things down so you can understand and make an informed decision.

We will assist you each step of the way in getting the right coverage at a price that fits your budget, so you will have confidence and peace of mind that you have made the right decision.

We're here to help you understand your health insurance options so you can make confident, informed decisions for yourself and your family. Whether you're choosing a new plan or reviewing your current coverage, we'll guide you through the process with clear, easy-to-understand information tailored to your needs.
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