Health Insurance

The right plan isn't the cheapest plan

Health insurance is one of the few financial decisions where the wrong choice quietly compounds for years before anyone notices. A premium that looks low can hide a network that doesn't include your doctor, a deductible you can't realistically meet, or a drug formulary that won't cover your prescription. We exist to make sure that doesn't happen to the families who trust us.

What we help with

• ACA Marketplace plans — Bronze, Silver, Gold, and Platinum coverage through HealthCare.gov and state exchanges, with full subsidy review.
• Pennie — As Pennie Certified Brokers, we enroll Pennsylvania residents through the state's official marketplace.
• Off-exchange plans — Private major-medical coverage when a Marketplace plan isn't the right fit.
• Short-term & gap coverage — Bridge plans for life transitions: between jobs, waiting for Medicare, retiring early.
• Self-employed & 1099 workers — Plan structures that work with variable income and HSA-eligible coverage.

How we compare plans

When you come to us, we look at four things together:

1. Your network — are your doctors in it?
2. Your medications — are they on the formulary, and at what tier?
3. Your actual out-of-pocket — premium plus realistic deductible exposure
4. Your subsidy eligibility — what the IRS estimates you'll qualify for

You leave with a written, side-by-side comparison of the plans that actually fit — not a sales sheet.

Enrollment periods

Open Enrollment for ACA plans typically runs November 1 through January 15 for coverage starting the following year. Outside that window, you'll need a Qualifying Life Event (marriage, baby, job loss, move) to enroll. We help confirm whether you qualify for a Special Enrollment Period.