Coverage Options

Four coverage categories, appointed across the nation’s leading carriers — matched to your situation and budget.

Medical

ACA Marketplace, Private, Medicare & Small Group

Whether you’re buying on your own, running a small business, or aging into Medicare, we compare plans across our carrier lineup to match your budget and how you actually use care.

ACA Marketplace

Individual and family health coverage through the federal Marketplace. We’ll check whether you qualify for premium subsidies, compare networks and drug formularies, and find a plan that fits how you use care — not just the cheapest sticker price.

Private Health Plans

Underwritten and short-term private health options for coverage gaps, early retirement, or membership-based care — budget-friendly and fast to activate.

Medicare Advantage & Supplement

Turning 65 or losing employer coverage? We’ll walk you through Original Medicare, Medicare Advantage, and Medigap supplement options so you understand the tradeoffs before you enroll.

Small Group

Group health plans for small businesses, sized to your headcount and budget — a straightforward benefits package your employees will actually understand.

Supplemental

Protection for the bills major medical doesn’t cover

Accident & Critical Illness

Pays a cash benefit directly to you after a covered accident or diagnosis — use it for deductibles, lost income, or anything else.

Hospital Indemnity

A set cash benefit for a covered hospitalization, regardless of your actual bill — a popular pairing for members of direct primary care and membership-based clinics.

Dental

Standalone or add-on dental coverage

Standalone Dental

Dental coverage on its own, for routine care and the unexpected, at rates that fit alongside any medical plan.

Add-On Dental

Bundle dental with your medical coverage where available, for one simplified bill and enrollment.

Life

Term & permanent life insurance

Term Life

Straightforward income replacement, sized to your family’s debts and future needs for a fixed period.

Permanent Life

Lifelong coverage with a cash-value component, for more complex estate and legacy planning.

Not Sure Where to Start?

We’ll help you figure out what you actually need

Most people don’t know which of these categories applies to them — that’s normal. Tell us a bit about your situation and we’ll point you toward the right coverage, not just the one on top of the pile.

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