Compare multiple carriers, lock in 12 to 36 month plans, and get guidance that keeps your family protected year round.
Maybe you are between jobs, self employed, retiring early, or paying too much for an ACA plan. Steve helps you explore flexible private plans and marketplace options so you can protect yourself and your family without guessing. You will see how short term and longer duration plans work, when subsidies apply, and what you really get for your premium.
Multiple carriers, more choice:
Compare plans from several reputable carriers rather than one website or mailer.
12 to 36 month policies:
Look at options that let you lock in coverage longer than a typical 12 month plan so you are not reapplying every year unless it benefits you.
Year round enrollment:
Do not wait for open enrollment if you qualify for private under 65 coverage. In many cases you can start a policy at any point in the year.
Custom plan design:
Balance premium, deductible, and network so you are not overpaying for benefits you never use or underinsuring against real risks.
Supplemental options:
Add dental, vision, accident, or hospital indemnity coverage when it makes sense for your situation.
Subsidies depend on your household income, family size, and where you live. Steve will help you estimate your eligibility and compare subsidized ACA plans with private options so you can see what is most cost effective for you.
ACA plans include essential health benefits and cannot deny coverage for pre existing conditions. Short term plans often have lower premiums but more limitations. We walk through the tradeoffs in plain language so you know exactly what you are choosing.
A longer duration plan can protect you from premium increases tied to changes in your health and gives stability for two to three years instead of just one.
Yes. Life events like marriage, a new baby, a move, or income changes can open new options. Steve reviews your needs when things shift so you are never stuck in the wrong plan.
Steven was incredibly generous with his time and knowledge, helping me navigate the very daunting medical insurance maze. I am very grateful for his kind and expert assistance. Highly recommended!
Phil Magallanes