Health Insurance Built Around Your Life
Finding the right health insurance when you're under 65 can feel overwhelming—premiums change every year, networks shift, and the jargon makes it hard to know what you're actually getting. That's exactly why I do what I do.
As an independent broker, I specialize in the under-65 market. I'm not tied to any one carrier, so I shop across dozens of plans to find coverage that fits your health needs, keeps your doctors, and works with your budget. Whether you're an individual, a family, self-employed, or between jobs—this is my specialty.
Individual Health Insurance
Need coverage just for you? I'll help you compare options and find a plan that makes sense for your situation:
- ACA Marketplace Plans: Access subsidies that can dramatically lower your monthly premium—many of my clients qualify and don't even know it
- Private Health Insurance: Off-marketplace options with flexible networks and plan designs
- Short-Term Coverage: Bridge plans for gaps between jobs or while waiting for employer benefits to kick in
- Catastrophic Plans: Low-premium options for healthy individuals under 30 (or with hardship exemptions)
Family Health Insurance
Covering your family means balancing everyone's needs—pediatric care, prescription coverage, specialist access, and keeping costs manageable. I help families find plans that cover what matters most:
- Comprehensive family plans with pediatric dental and vision included
- Plans that keep your family's preferred doctors in-network
- Subsidy-eligible marketplace plans to lower your monthly cost
- Coverage that grows with your family as needs change
ACA Marketplace & Subsidies
The Affordable Care Act marketplace is where most of my individual and family clients find their best options. I'll help you:
- Determine your subsidy eligibility based on household income
- Navigate open enrollment and special enrollment periods
- Compare Bronze, Silver, Gold, and Platinum tier plans side by side
- Understand cost-sharing reductions that lower deductibles and copays
- Handle the enrollment paperwork from start to finish
Short-Term Health Insurance
Need coverage fast? Short-term plans provide temporary protection when you're in a gap:
- Coverage starting as soon as the next day
- Terms from 30 days up to 364 days, with renewal options
- Doctor visits, urgent care, hospitalization, and prescriptions
- Ideal for job transitions, recent graduates, or early retirees
Important: Short-term plans are not ACA-compliant and may not cover pre-existing conditions or preventive care. They're designed as a bridge—not a long-term solution. I'll help you understand the tradeoffs.
Self-Employed & Freelancer Coverage
Running your own business means you don't have an employer picking up half the tab. I work with a lot of self-employed clients and freelancers to find plans that provide solid coverage without breaking the bank. You may qualify for significant marketplace subsidies based on your business income.
What I Help You Compare
- Monthly Premiums: What fits your budget today
- Deductibles & Out-of-Pocket Maximums: What you'll pay when you use care
- Provider Networks: Whether your doctors and hospitals are covered
- Prescription Formularies: Making sure your medications are on the plan's drug list
- Extra Benefits: Telehealth, wellness programs, mental health coverage, and more
How It Works
- Free Consultation: We discuss your situation—health needs, budget, preferred doctors, and priorities
- Plan Comparison: I shop multiple carriers and present your best options clearly
- Enrollment: I handle the paperwork and walk you through every step
- Year-Round Support: I'm here for renewals, claims questions, life changes, and anything else that comes up
Already on Medicare?
I offer Medicare Supplement plans for existing clients. If you're already enrolled in Medicare and looking for supplement coverage, contact me to discuss your options.