I specialize in private health insurance, but I’m appointed to place ACA Marketplace plans too. If a Marketplace plan with subsidies genuinely beats the private options for your situation, that’s what I’ll recommend.
Off-Marketplace plans, often with broader carrier and plan-design choice and year-round enrollment. A strong fit if you don’t qualify for ACA subsidies, want a specific network or plan structure, or missed open enrollment and need coverage now.
Plans through the federal or state Health Insurance Marketplace, including premium tax credits and cost-sharing reductions when you qualify. Often the better financial choice for lower- and middle-income households — I’ll tell you plainly if this is your best option, even though it isn’t my specialty.
Between jobs, early retirement, or simply want your own plan — matched to your doctors and budget.
Freelancers, contractors, and business owners who need coverage without a group plan behind them.
Coordinated coverage for spouses and kids, including maternity and pediatric considerations.
Group and level-funded options to offer employees real coverage without enterprise-size costs.
We talk through your current coverage, budget, doctors, and what’s not working.
I pull private and, where relevant, ACA Marketplace options across my appointed carriers and lay out the real trade-offs.
No pressure, no jargon. Once you pick a plan, I handle enrollment and stay reachable after you’re covered.