Individual Health Insurance

Anyone without employer coverage: the self-employed, freelancers, early retirees before Medicare, people between jobs, and families whose employer plan is too expensive. Individual plans let you cover yourself and your dependents directly.

Before any subsidy, ACA marketplace plans commonly run 350 to 650 dollars per month per adult, but premium tax credits can lower that to anywhere from 0 to 250 dollars depending on household income. Short-term plans run 100 to 300 dollars. We help you compare net cost after subsidies.

The ACA marketplace is the government exchange for comprehensive individual plans that cover pre-existing conditions. A premium tax credit, or subsidy, reduces your monthly premium based on income and household size. Many people qualify and do not realize it, so we check for you.

ACA plans are comprehensive, cover pre-existing conditions, and can be subsidized, but only enroll during open enrollment or a special enrollment period. Short-term plans are cheaper and available any time but cover less and exclude pre-existing conditions, so they work best as a temporary bridge.

ACA plans enroll during annual open enrollment, or during a special enrollment period triggered by a life event like losing coverage, moving, marriage, or a new baby. Short-term and supplemental plans can usually start any time. We help you confirm your window.

Usually not for adults. Most medical plans exclude adult dental and vision, so we pair your plan with standalone dental and vision coverage when you need it.