You have more choices than many people realize. Your main options are an ACA marketplace plan, a private PPO or EPO plan purchased outside the marketplace, and short-term coverage for temporary gaps. Some people also pair a high-deductible plan with a Health Savings Account to save on taxes while building a fund for medical costs.

The right fit depends on your income, your typical medical use, the doctors you want to keep, and how steady your earnings are month to month. If your income is variable, we can point you toward plans that stay affordable during slower months. If you earn too much to qualify for a subsidy, private plans are often more competitive than the marketplace and can offer broader networks.

As an independent brokerage, we shop multiple carriers and present a short list of the best options for your situation. We also stay available after you enroll, so when your income or needs change, you have someone to call.