Health coverage for your family, in plain language.
If you are self-employed, between jobs, or your work does not offer coverage, the Marketplace is where most families look. I help you compare what is actually available to you, check whether you qualify for financial help, and explain the trade-offs without the jargon.
Individual & family health
What I help people with
Health plans are easy to compare on price alone and expensive to choose that way. Here is what we look at instead.
ACA Marketplace plans
Health coverage for individuals and families, sometimes called Obamacare. We compare what is available where you live, side by side.
Financial help
Many households qualify for premium tax credits based on income and family size. We check whether you do, before assuming you cannot afford coverage.
Doctors and prescriptions
We check your doctors against each plan’s network and your medications against its drug list — the two things people discover too late.
Coverage for the whole family
Households are rarely simple. Different ages, different doctors, sometimes different needs. We sort out what covers everyone.
Self-employed, or just lost your job
If you work for yourself, or you lose your job and the coverage that came with it, a Marketplace plan is usually the way in — and losing job-based coverage opens a Special Enrollment Period of its own. We sort out the timing so there is no gap.
When you can enroll
There are two doors into a Marketplace plan, and most people qualify for one of them.
- Open Enrollment
- Open Enrollment for 2027 plans starts November 1. This is the window when anyone can apply or change plans, and it is the simplest way in.
- A qualifying life event
- Outside Open Enrollment, a life change can open a Special Enrollment Period: losing other coverage, moving, getting married, having a baby, or certain other events. Tell me what changed and I will tell you whether it counts.
- Turning 26
- Aging off a parent’s plan is one of the most common reasons people need their own coverage, and it opens a window of its own.
- Starting or leaving a job
- If employer coverage is ending, do not wait for it to lapse. The window is tied to the date it ends.
What we check together
- Whether your doctors are in each plan’s network
- How your prescriptions are covered, and at which pharmacy
- Deductibles and out-of-pocket maximums against your real budget
- Whether your household qualifies for premium tax credits
- How the plan handles the care your family actually uses
Questions people actually ask
Do I pay more if I use a health insurance broker?
No. A Marketplace plan costs the same whether you enroll on your own or through a licensed broker, and there is no cost to you for my help. The difference is having someone check the network, the drug list and your eligibility for financial help before you choose.
I do not think I can afford coverage.
Check before you conclude that. Financial help is based on household income and size, and a lot of people who assume they earn too much still qualify for something. It takes a few minutes to find out.
I missed Open Enrollment. Am I stuck?
Not necessarily. A qualifying life event — losing coverage, moving, marriage, a new baby and others — can open a Special Enrollment Period. Tell me what changed and when, and I will tell you where that leaves you.
I am self-employed. What are my options?
Most self-employed people buy coverage through the Marketplace, and financial help is based on your household income, so a slower year can mean more help rather than less. We look at what fits how you actually earn.
What is a catastrophic health plan?
A Marketplace plan with a lower monthly premium and a very high deductible, meant to protect you from a worst-case bill. It is generally available if you are under 30, or if you qualify for a hardship or affordability exemption. It still covers preventive care, plus three primary care visits a year before the deductible. Premium tax credits cannot be used toward one, so it is not always the lower-cost choice.
Does health insurance cover pregnancy?
Yes. Maternity and newborn care are essential health benefits, so every Marketplace plan covers them, and pregnancy cannot be treated as a pre-existing condition. The birth of a baby also opens a Special Enrollment Period, so a new child can be added to coverage outside Open Enrollment.
Can we do this in Spanish?
Yes. I work in Spanish and English, including the paperwork and the follow-up questions afterward.
Other coverage I help with
Let’s look at it together.
A short call, no pressure, and no cost for my help. English or Spanish.