01 · Individual & Family

Health insurance without an employer doing it for you.

Self-employed, between jobs, or just on your own for coverage? We compare marketplace (ACA) plans, check whether subsidies can lower your premium, and help you enroll — at no cost to you.

If you’re in Nevada or Utah, we can send a self-serve quote link after a short form. California, Texas, and Hawaii don’t have that engine yet — those states go to a consult so we can shop it with you.

02 · Who this is for

Sound familiar?

You’re self-employed — no employer doing the paperwork.
You’re between jobs — COBRA is expensive; a marketplace plan may not be.
You retired early — not 65 yet, still need coverage.
Your hours were cut and you lost the group plan.
You moved, married, had a child — a life event opened a window.

03 · Subsidies

You might be paying more than you have to.

Most people who buy marketplace coverage qualify for a premium tax credit. Eligibility is based on household income and size, and the math surprises people in both directions: families who assumed they earned too much often qualify, and the self-employed have planning options most don’t know about.

Checking takes minutes, costs nothing, and is exactly the kind of thing we do in a first conversation.

04 · When you can enroll

Open enrollment — and the rest of the year.

Open Enrollment is the annual window when anyone can enroll or switch (roughly November 1 – January 15; some states run longer — California, for example).

Special Enrollment Periods cover the rest of the year. Losing other coverage, moving, getting married, having a baby, and certain income levels can each open a personal window, usually 60 days. If you think you missed your chance, ask before assuming.

Already covered but never re-shopped? Plans and prices change every year. An annual review is free and often finds a better fit.

05 · Questions

Straight answers.

What does your help cost?

Nothing. Brokers are paid by the carriers, and your premium is identical whether you enroll through us, directly, or through the marketplace on your own.

I checked marketplace prices once and they were crazy.

Two likely reasons: the quote didn’t include your subsidy, or it was based on a quick guess at your income. A real eligibility check often changes the picture.

Can you help mid-year?

Yes — job changes, moves, and family events are exactly when a broker earns their keep. Reach out within 60 days of the event.

What states?

California, Nevada, Texas, Hawaii, and Utah. Each marketplace has its own quirks.

Leaving the country? Most U.S. plans stop at the border. See Travel & International.

06 · Next step

Let's find your plan — and your subsidy.

702-627-2605

By calling the number above, you will be connected to a licensed insurance agent.