Individual & Family
Whether you're self-employed, between jobs, or simply need individual coverage, I'll help you find a plan that balances protection and cost.
Shopping for individual health insurance can feel like navigating a maze blindfolded.
The plans all look similar. The pricing is confusing. The terminology doesn't make sense. You're not sure if you're getting a good deal or missing something important.
And unlike employer coverage where HR handles everything, you're on your own trying to figure it out.
That's where I come in. I'll translate the complexity into clear options and help you choose coverage that actually works for your situation and budget.
Who Needs Individual Health Insurance?
You might be:
Self-employed or running your own business
Contract worker, freelancer, or gig economy professional
Between jobs or recently laid off
Early retiree (before Medicare age)
Not offered coverage through your employer
Your employer's plan is too expensive or doesn't meet your needs
Newly aged out of parents' coverage
Whatever brought you here, I'll help you understand your options and find coverage that fits.
How I Help You Choose the Right Plan
Step 1: Determine Subsidy Eligibility We'll review your income situation to see if you qualify for premium tax credits. This can make a dramatic difference in affordability.
Step 2: Assess Your Healthcare Needs We'll discuss:
Your current doctors and specialists
Prescription medications you take regularly
Expected medical needs for the coming year
How often you typically use medical services
Your budget for premiums vs. out-of-pocket costs
Step 3: Compare Real Costs Looking beyond the premium, we'll calculate:
Deductibles and how they work
Co-pays for common services
Co-insurance percentages
Out-of-pocket maximums
Prescription drug costs through each plan
Total estimated annual cost based on your expected usage
Step 4: Verify Network Coverage Before recommending any plan, we'll:
Check if your current doctors are in-network
Review hospital network access
Confirm your medications are covered
Understand any referral requirements
Step 5: Enroll with Confidence Once you've made your decision, I'll:
Handle the paperwork
Ensure accurate enrollment
Explain how to use your new coverage
Be available for ongoing questions
What Working Together Looks Like
Your Free Consultation:
We'll spend 30-45 minutes discussing:
Your current situation and coverage needs
Whether you qualify for subsidies
Plan options that fit your needs and budget
Estimated costs based on your actual usage
Next steps to get you covered
No pressure. No obligation. Just honest guidance.
Ready to Start?
Click Below to fill in your info, start shopping for plans, and we’ll get you covered.