Health insurance when you are not yet on Medicare
If you are under 65 and need health coverage, whether you are between jobs, self-employed, or retired early, the Marketplace can feel like a maze. We help you understand your options and find a plan that fits, without the runaround.
How Marketplace coverage works
The Health Insurance Marketplace, sometimes called the ACA or Obamacare, is where individuals and families can shop for health plans. Here is the short version of what to know.
Plans are grouped into tiers so you can weigh monthly cost against out-of-pocket costs
You generally enroll during Open Enrollment, or a Special Enrollment Period after a qualifying life event
Coverage includes a standard set of essential health benefits
An agent can help you compare plans at no cost to you
You may qualify for savings, and many people do not realize it
Depending on your household size and income, you may qualify for financial help that lowers your monthly premium through the Marketplace. Eligibility and the amount vary from person to person, and the rules can change, so the only way to know is to check your specific situation.
That is something we can help you look into. We will not guess or overpromise, we will help you find out what you actually qualify for.
When people come to us for health coverage
Most people who need under-65 coverage are in one of these spots. If yours is not listed, call anyway, we have probably seen it.
Between jobs
If you have lost or left a job, losing that coverage generally opens a Special Enrollment Period to sign up through the Marketplace, often outside the usual yearly window. We help you compare that against options like continuing your old plan.
Self-employed or 1099
Working for yourself means you are your own benefits department. We help you find individual coverage that fits your income and your needs, without an HR office to lean on.
Early retiree before 65
Retired before Medicare kicks in at 65? You need a bridge. We help you find coverage to carry you through until you are Medicare-eligible.
Aging off a parent's plan
Turning 26 and coming off a parent's plan is a common trigger for needing your own coverage. It usually opens a window to enroll.
Need coverage before 65? We can help.
Talk with a licensed agent who will help you understand your Marketplace options, check whether you qualify for savings, and find a plan that fits. Our guidance costs you nothing.
Licensed independent insurance agency · Serving Millbrook Crossing, NC since 2011