What is individual and family coverage?
Individual and family coverage is health and life insurance for people buying on their own, outside of an employer’s group plan. Whether you are self-employed, between jobs, or your employer does not offer benefits, we will help you understand your options in plain English.
Who it is for
Individuals and families navigating coverage on their own: the self-employed, early retirees, contractors, and anyone whose employer does not offer benefits. Employers are our primary focus, but we believe everyone deserves straight answers, so we help individuals too.
What is included
- Marketplace (ACA) guidance: understanding exchange plans, subsidies you may qualify for, and enrollment windows.
- Off-market options: plans purchased directly from carriers: how they compare, and when they make sense.
- Individual life insurance: term and permanent concepts explained simply, matched to your family’s needs.
- Dental and vision for individuals: affordable add-ons that complete your personal coverage.
- Enrollment help: we walk through applications with you so nothing gets missed.
How we work
We start with your situation: your household, your health needs, your budget, and your timeline. Then we compare your real options (marketplace versus off-market, subsidy eligibility, network differences) and explain the trade-offs honestly. No pressure, no jargon, just a clear path to coverage that fits.
Frequently asked questions
I am self-employed. What are my health insurance options?
Self-employed individuals can buy coverage through the ACA marketplace, where you may qualify for subsidies, or look at off-market plans directly from carriers. Each path has trade-offs in price, network, and flexibility. We will explain both in plain English and help you compare real numbers.
Can I get health coverage outside open enrollment?
Usually only if you qualify for a special enrollment period, triggered by events like losing other coverage, getting married, or having a baby. Without a qualifying event, you will generally wait for open enrollment. We will help you figure out whether you qualify and what your timeline looks like.
What is the difference between marketplace and off-market plans?
Marketplace plans are sold through the ACA exchange and are the only way to access premium subsidies. Off-market plans are bought directly from carriers. No subsidies, but sometimes broader options. The right choice depends on your income, health needs, and priorities. We will lay it out clearly.
Do you charge a fee for individual and family help?
Our guidance on individual coverage works like our employer business: we are typically compensated through the carrier when you enroll, so there is no separate fee for our help. We will explain exactly how compensation works before you move forward. No surprises, no pressure.
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