Expert help to find the plan that is right for you.

These plans are for individuals or families that do not have health coverage through an employer or Medicare. Individual and family plans can be acquired through a state sponsored market place or directly from a carrier. We will help you shop and purchase an individual or family plan, and help determine whether you qualify for assistance to help reduce your premiums and/or share of costs.
Individual & family plans can be purchased through a state market place where you can qualify for premium tax credits (PTC) or cost share reductions (CSR) based on income. It doesn't cost you anything to apply and see if you qualify for PTC or CSR. This can be confusing on your own but we're here to help.

Medicare is a federal program designed to provide health coverage for people age 65+, but it has been expanded to cover people with qualifying disabilities, ESRD, or ALS.
Medicare is heavily subsidized by the federal government to help provide affordable health plans for seniors. Most people will need to pay a small Part B premium which is paid directly to the federal government and changes every year. Then, to complete their coverage, they will need to select and enroll in a Medicare plan: Medicare Advantage (usually includes prescriptions), or a Supplement and a Prescription Drug Plan. Costs can vary from no additional premiums (aside from Part B) to several hundred dollars per month. Rest assured, we will help you navigate your options and find a plan that is right for you.

Indemnity plans, short and long-term care plans, annuities, and life insurance plans, are all different ways to help protect you from additional costs not usually covered by health insurance. Most people would benefit from one or more of these plans depending on their budget, assets, and beneficiaries.
These products can vary widely in cost depending on the benefit package you want or need. Some of these products can cost less than $100/month, where others can cost closer to $1000/month or more. These are not essential plans, but they can make your life much easier. Our job is to explain what these products are, how they can help you, and whether one or more of them might be appropriate for you based on your income, assets, and beneficiaries that you want to protect.

Aetna