Here’s a clear and easy-to-understand breakdown of the health insurance options available if you’re under the age of 65 – along with how we can help guide you through the process:
✔ Administered through the Health Insurance Marketplace (Centers for Medicare & Medicaid Services).
✔ Many people qualify for subsidies to help lower monthly premiums and out-of-pocket costs.
✔ Based on income and household size – we’ll help you check eligibility.
✔ Ideal for: Individuals and families looking for comprehensive coverage with cost-saving potential.
📌 We’ll guide you step by step through enrollment and subsidy qualification.
✔ Purchased directly from insurance companies.
✔ Best for people who don’t qualify for subsidies but still want full-featured, ACA-compliant coverage.
✔ Wider plan variety and customization options may be available.
📌 We’ll compare plans across carriers and help you find one that fits your needs and budget.
✔ Affordable option for temporary coverage – from 30 days to 12 months or more in some states.
✔ Coverage can start as soon as the next day.
✔ Choose from various deductible levels and cancel anytime without penalty.
✔ Not ACA-compliant, but great for:
In-between jobs
Waiting for other coverage to begin
Recent college grads
📌 We’ll help you weigh pros and cons based on your risk level and life stage.
✔ Pays fixed cash benefits for specific events – like hospital stays, surgeries, ambulance rides, and more.
✔ Can be used with or without traditional health insurance.
✔ Benefits may be paid as daily, weekly, or lump sum amounts depending on the plan.
✔ Great for: People wanting extra financial protection against large medical bills.
📌 We’ll show you how this can be a helpful add-on or standalone option depending on your health and finances.
There’s no one-size-fits-all when it comes to health insurance. That’s why we’ll help you navigate your choices, explain the details, and recommend a plan that fits your health needs and your budget – at no cost to you.
📞 Contact us today to find the right coverage solution with confidence!
This Medicare information section is here to educate you about your insurance options and provide you with the resources you need to help you select the right plan for your unique needs.
If there’s anything you need or if you have any questions, please feel free to contact us. We are here to help.