Health Insurance (Under 65)

We offer private plans called “qualified health plans” from insurance companies you recognize on and off the exchange or the marketplace. We also offer Short Term Medical plans.

Support & Consultation

We know you have questions. If you need help understanding your options, enrolling, or managing your plan, we are here for you to help you understand the process and get you enrolled in a flash.

• Essential Health Benefits
• Metal Level (Platinum, Gold, Silver, Bronze)
• Network Type (HMO, PPO, POS, EPO, IDS and HSA eligible
• Qualifying for Financial Help
• Co-payment, Co-Insurance and Deductible
• Annual Enrollment and Special Enrollment Period 
• What is covered
• How to get ready for an appointment

Short Term Medical (STM)

Short-term health insurance plans are not qualified health plans under the Affordable Care Act (ACA or “Obamacare”) and do not meet the coverage and benefit requirements of the ACA. You cannot receive a subsidy (premium tax credit and/or cost-sharing reduction) under the ACA in connection with your purchase of short-term health insurance and may still owe the tax penalty (the individual shared responsibility payment) under the ACA. Some people may qualify for exemptions from the ACA tax penalty. 

Short-term health insurance plans are generally less expensive than qualified health plans under the ACA (also called major medical health insurance), but do not offer the same level of coverage. Short-term health insurance plans are intended for people who do not want or cannot afford major medical insurance or who want a temporary form of limited coverage before they obtain major medical health insurance. Among other limitations and exclusions, short term health insurance plans generally do not cover pre-existing conditions (health and other conditions that exist at the time of application) or the minimum essential coverage of the ACA (benefits such as mental healthcare, pregnancy and childbirth, preventive care, etc.). 

Please contact us if you have any questions or want to get enrolled. Consultation and enrollment assistance are both free.