Finding the Right Health Plan
Health insurance is personal. Your age, medications, doctors, and budget all factor into which plan makes sense. We help you sort through the options so you’re not overpaying or under-covered.
Types of Plans
- HMO plans offer lower premiums and require referrals to see specialists
- PPO plans give you more flexibility to see any provider, typically at a higher premium
- High-deductible plans paired with an HSA let you save pre-tax dollars for medical expenses
- Short-term plans bridge coverage gaps between jobs or life changes
Open Enrollment and Special Enrollment
Individual health plans are typically purchased during open enrollment each fall. However, qualifying life events—losing employer coverage, getting married, having a child—open a special enrollment window outside the standard period.
Subsidies and Tax Credits
Depending on your household income, you may qualify for premium tax credits that significantly reduce your monthly cost. We’ll help you determine eligibility and apply credits correctly.
Let Us Help
Health insurance can be confusing. We’ll explain your options in plain language and help you pick a plan that covers what matters to you without paying for what doesn’t.