Self-employed, contracting, between jobs, retiring before Medicare, or covering a family on your own — you have more options than the two you have probably heard about.
Who This Is For
The right plan depends far more on your circumstances than on any plan's brochure. Find yourself below.
You are the business, so you are also the benefits department. Income may vary month to month, which affects both what you can afford and what subsidies you qualify for. If you have even a couple of employees, a small group plan may beat an individual one — worth checking before you assume.
Covering a spouse and kids changes the math. Pediatric care, dental for growing teeth, and a realistic view of how often somebody in a household of five ends up in urgent care. Deductible structure matters more than the headline premium here.
Losing employer coverage opens a special enrollment window — usually 60 days. COBRA keeps the plan you know but at full unsubsidized cost. A marketplace plan with a subsidy is frequently cheaper. Compare both before the window closes.
Retiring at 62 means three years to bridge before Medicare, at the ages when premiums are highest. Careful income planning can make a large difference in what you pay, because subsidy eligibility follows modified adjusted gross income.
What We Help With
ACA marketplace plans, subsidy eligibility, and alternative plan designs when the marketplace is not a fit. Metal tiers, networks, deductibles and out-of-pocket maximums, explained without the acronyms.
Health insuranceTerm coverage for the years your family is most exposed, whole life when you want protection that does not expire, and a straight answer on how much you actually need.
Life insuranceStandalone dental and vision plans for households without employer coverage. Modest premiums, immediate use, and the coverage people most often regret skipping.
Cash-benefit coverage that pays you directly when an injury or serious diagnosis happens. Particularly valuable alongside a high-deductible health plan.
A lump sum on admission and a daily benefit for each night in the hospital, paid to you rather than the facility. Helps turn a deductible into something manageable.
Tell Jeremy your household, your rough income and what you are worried about. He will tell you which two options are worth comparing — and which ones to ignore.
Start a conversationHow It Works
Working with an independent broker costs you nothing directly — carriers build commissions into the premium whether you use a broker or not. What you get is someone who compares options across carriers, answers the phone in April, and helps with a claim when one happens.
If the best answer for you is the marketplace plan you already have, Jeremy will say so.
Bring your questions and your household details. One conversation is usually enough to see the whole picture clearly.
