HEALTH INSURANCE FOR INDIVIDUALS & FAMILIES

The Marketplace, created under the Affordable Care Act (ACA), gives individuals and families access to quality health coverage — often with monthly savings or tax credits based on income.

As a Certified ACA Marketplace Agent, I’m committed to helping you navigate health insurance with confidence and get the most value for what you pay. Certification ensures I meet federal compliance standards and can accurately assist with subsidy eligibility, renewals, and plan comparisons or updates — so you don’t have to figure it out alone. 

All Marketplace plans are required to include these essential benefits:

• Outpatient care (doctor visits and same-day procedures)
• Emergency care
• Hospitalization (surgery and overnight stays)
• Maternity & newborn care
• Mental health and substance use services
• Prescription drug coverage
• Rehabilitative & habilitative therapies (e.g., physical or occupational therapy)
• Laboratory services
• Preventive & wellness care (screenings, vaccines, and checkups)
• Pediatric dental & vision care

A Note About Dental & Vision Coverage
While Marketplace plans include dental and vision care for children, adult coverage is often limited — if it’s offered at all. That’s why we also provide access to standalone dental and vision plans that offer better networks, higher annual maximums, and more comprehensive benefits.

Standalone dental and vision plans can be added anytime — no need to wait for Open Enrollment — and are often more robust than the options included in a Marketplace plan.

Not everyone fits inside the Marketplace box — and that’s okay.
We also offer a variety of non-Marketplace options designed for people who:

• Are self-employed or small business owners
• Don’t qualify for Marketplace subsidies
• Need coverage between jobs or outside Open Enrollment
• Want broader provider networks or specific plan designs
• Have unique health needs or pre-existing conditions
   

We’ll compare all available carriers to find a plan that makes sense for your situation — balancing cost, coverage, and peace of mind.

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Once your health plan is in place, we’ll also look at ways to fill potential gaps — like hospital stays, accidents, cancer, critical illness, and more. These supplemental plans can help protect your income and savings when life takes an unexpected turn.

We can review everything during your appointment or you can explore options anytime on the Supplemental Coverage page.