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INDIVIDUAL
MARKET

Personal insurance solutions for individuals and families.

COVERAGE FOR LIFE'S TRANSITIONS

Life doesn't always fit neatly into employer-sponsored coverage. Whether you're between jobs, self-employed, early retired, or simply need individual coverage, we help you navigate the options and find the right fit.

INDIVIDUAL HEALTH INSURANCE

ACA-compliant marketplace plans with comprehensive coverage. We help you understand subsidies, plan tiers, and network options to find the best value.

FAMILY COVERAGE PLANS

Comprehensive protection for your entire family. We analyze your family's health needs and budget to recommend optimal coverage combinations.

MEDICARE

Navigate Medicare complexity with expert guidance. We help with Medicare Supplements, Advantage plans, Part D prescription coverage, and enrollment assistance.

INTERNATIONAL COVERAGE

Coverage solutions for expatriates, frequent travelers, and those living abroad. Comprehensive international health plans that provide protection wherever you are.

SUPPLEMENTAL COVERAGE

Fill gaps in your primary coverage with accident, critical illness, and hospital indemnity plans. Extra protection when you need it most.

TRANSITION PLANNING

Navigate job changes and retirement smoothly with expert guidance. We help you evaluate COBRA vs. individual options and time your coverage transitions strategically.

FIND YOUR PERFECT COVERAGE

Everyone's situation is different. Let's find the right solution for yours.

Call Now Get Personalized Help

INDIVIDUAL MARKET FAQ

Common questions about personal and family health coverage.

The Annual Open Enrollment Period typically runs from November 1 to January 15. Outside this window, you can enroll during a Special Enrollment Period triggered by qualifying life events like losing job-based coverage, moving, getting married, or having a baby.

It depends on your situation. COBRA lets you keep your employer plan but you pay the full premium plus a fee. Individual plans are often more affordable, especially if you qualify for subsidies. We'll compare both options and help you decide what makes the most sense.

Premium tax credits are available for those with household income between 100% and 400% of the federal poverty level who purchase coverage through the marketplace. We'll help you estimate your eligibility and understand how subsidies affect your plan choices.

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