Marketplace plans are offered through government exchanges and may come with subsidies based on your income. Private plans are available directly from insurance companies and may offer more flexibility or different network options. We’ll help you compare both so you can make the right choice for your situation.

Each plan has its own provider network, and choosing one that includes your doctor is important for both cost and continuity of care. We’ll help you verify your providers and ensure your preferred doctors and hospitals are covered before you enroll. It’s one of the first things we check when reviewing your options.

Your deductible is the amount you pay out of pocket for services before your insurance begins to pay. A lower deductible generally means higher premiums, while higher deductibles often come with lower monthly costs. We’ll walk you through what each plan means for your real-world expenses – not just the numbers on paper.

In some cases, yes. You may qualify for a Special Enrollment Period if you’ve had a major life event like losing coverage, moving, or having a baby. There are also short-term and off-market plans available year-round. We’ll review your circumstances and help you understand what’s possible now.