Coverage that
actually covers you.
Health insurance is full of numbers designed to confuse you. I work with multiple top-rated carriers to find individual and family plans that fit your budget and your life — not just the cheapest option, but the right one. No pressure. No jargon. Just plain-English guidance.
The four numbers that decide
what a plan really costs.
Every health plan is a trade-off between these four numbers. Understand them, and comparing plans stops feeling like guesswork.
Premium
What you pay monthly
The fixed amount you pay every month to keep your coverage active — whether or not you use it. The lowest premium is not automatically the cheapest plan once you factor in the numbers below.
Deductible
What you pay first
The amount you pay out of pocket for covered care before the plan starts sharing costs. Many preventive services are covered before you meet it.
Copays & Coinsurance
What you pay per visit
Your share of costs once coverage kicks in — a flat copay for a doctor visit or prescription, or a percentage (coinsurance) of larger bills.
Out-of-Pocket Max
Your worst-case ceiling
The most you'd pay for covered care in a year. After you hit it, the plan pays 100%. This number is your true financial protection — and where cheap-looking plans can hide real risk.
Three paths to coverage.
One that fits your situation.
Where you buy coverage matters as much as which plan you pick. Here's the honest version of each path.
Marketplace /
ACA Plans
Plans purchased through healthcare.gov with the full set of ACA protections: preexisting conditions covered, essential health benefits included, and premium tax credits that lower your monthly cost if your income qualifies. For most individuals and families, this is the starting point — and where getting the subsidy estimate right pays off.
Individual &
Family Plans
Choosing the right plan means matching the metal tier (Bronze, Silver, Gold), the network, and the drug coverage to how your family actually uses care. I compare options from multiple top-rated carriers and walk you through the real math — premiums, deductibles, and worst-case costs side by side.
Short-Term
Coverage
A bridge for gaps — between jobs, waiting for other coverage to start, or after a missed enrollment window. Premiums are lower, but the trade-offs are real: applications can be declined, preexisting conditions are typically excluded, and benefits are more limited. I'll tell you honestly whether it fits your situation.
When you can enroll,
without the fine print.
Health insurance runs on enrollment windows. Here are the three that matter.
Every Fall:
Open Enrollment
November 1 – January 15 in most states. The annual window when anyone can enroll in or switch Marketplace plans for the coming year. Enroll by December 15 for coverage that starts January 1.
Life Changes:
Special Enrollment
Losing employer coverage, marriage, divorce, a new baby, or a permanent move can open a special enrollment window — typically 60 days from the event. If your situation just changed, your options may be better than you think.
Year-Round:
Bridge Options
Short-term plans can be purchased any time of year for coverage gaps. They come with real limitations, but when you need something between now and your next enrollment window, it's better than going uncovered.
Why Work With Me
I built my practice on one principle: you deserve an advisor who puts your needs first — every time.