Coverage
I compare private plans and Marketplace plans side by side, so you can see the real difference in cost and coverage before you choose.
2 Kinds of Plans
Each works differently. The right one depends on your health, income, and timing.
Priced on your health
Priced on your income
Private plans are not Marketplace plans and do not qualify for premium tax credits. If a Marketplace plan is the better fit for you, I'll explain why and point you to the right next step.
Who I Help
Without an employer plan, you choose and pay for your own coverage. I'll compare plans that fit your budget and the way you work.
Health insurance premiums are often tax deductible for the self-employed. Ask your tax professional what applies to you.
Get my estimateIf your income is too high for a tax credit, you pay the Marketplace sticker price. Depending on your health, a private plan may cost less for similar care.
Get my estimateCOBRA lets you keep your old employer plan, usually for up to 18 months, but you pay the full cost plus a fee.
Losing job-based coverage also opens a 60-day window to pick a new plan, so let's compare before you decide.
Get my estimateIf adding your family to a work plan costs too much, they may qualify for Marketplace savings or a private plan of their own. I'll run the numbers both ways.
Get my estimateSmall Business Owners
When you run your own business, covering yourself and your family is up to you. I'll find a plan that fits your budget and the way you work.
I compare private and Marketplace plans side by side, priced for your household.
Your plan isn't tied to the business, so it stays with you if the business changes.
Premiums may be tax deductible for business owners. Ask your tax professional what applies to you.
Beyond the Price Tag
The lowest premium isn't always the lowest cost.
What you pay each month to keep coverage.
What you pay before and after the plan pays.
Whether the providers you use are in network.
How the medications you take are covered.
Add-On Coverage
Add either one alongside your health plan, so everything is handled in one place.
Cleanings and checkups, plus help with fillings and bigger dental work.
Eye exams, plus help paying for glasses or contacts.
Benefits, waiting periods, and costs vary by plan. I'll walk you through the details before you add anything.
Common Questions
Marketplace plans follow the Affordable Care Act. Anyone eligible can enroll, and tax credits can lower the price based on income. Private plans are sold directly by insurance companies, ask health questions, and don't come with tax credits. For healthy people who pay full price, they can cost less.
Private plans ask health questions, so some conditions can affect your price or approval. Marketplace plans can't turn you down or charge more because of your health. If that matters for you, we'll look closely at both.
Marketplace plans open for enrollment each fall, and a life event like losing other coverage, moving, marriage, or a new baby opens a special window. Many private plans accept applications any time of year.
No. I focus on individuals and families under 65. If you're turning 65, I'm happy to point you toward someone who specializes in Medicare.
Yes. I can add dental, vision, or both alongside your health plan. Let me know on our call and I'll include them in your options.
Ready to get started?
Get an initial look at your options, then talk with Austin about what may make sense for you and your household.
