Health coverage for the years before Medicare
No employer plan? Self-employed? Between jobs? You have more options than a confusing website will ever show you — and most people qualify for real financial help.
Individual, family & self-employed coverage
ACA Marketplace Health Insurance
Compare subsidized Marketplace plans, check if you qualify for premium tax credits, and enroll with a licensed agent — at no extra cost.
Learn moreHealth Insurance for the Self-Employed
Freelancers, contractors, and business owners have more options than the Marketplace alone. We map the choice that fits your income and taxes.
Learn moreShort-Term & Gap Coverage
Bridging a gap between jobs, before Medicare, or after a life change? Short-term and supplemental plans can cover the in-between.
Learn moreDental & Vision Insurance
Standalone dental and vision plans that fill a real gap — because Original Medicare and most health plans don't cover routine dental or eye care.
Learn morePPO Plan Options
Private, indemnity-style PPO plans for people under 65, especially the self-employed: see the providers you want, when you want, with no referrals needed.
Learn moreMental Health & Telemedicine Coverage
Plans and supplemental options that make therapy, psychiatry, and virtual doctor visits genuinely accessible — not just technically covered.
Learn moreFlorida KidCare & Children's Medicaid
Low-cost and no-cost health coverage for Florida children through Florida KidCare and Medicaid — and help figuring out which program your family qualifies for.
Learn moreFamily Planning Medicaid (Limited Benefit)
A limited Medicaid benefit that covers family-planning services for those who qualify — a helpful option to know about while you sort out fuller coverage.
Learn moreLife & supplemental protection
Life Insurance
Term, whole, and living-benefit life insurance that protects your family's income, pays off debt, and can even help while you're still living.
Critical Illness & Supplemental Coverage
Lump-sum cash if you're diagnosed with cancer, a heart attack, or stroke — money you can spend on anything, not just medical bills.
Estate & Legacy Planning Coordination
We coordinate the insurance side of your estate plan — beneficiaries, life insurance, and long-term-care strategy — alongside your attorney and tax advisor.
Social Security Timing Analysis
As a Registered Social Security Analyst®, Kate helps you choose the claiming age and strategy that can add tens of thousands to your lifetime benefit.
Travel Medical Insurance
Coverage for medical emergencies while you travel — including abroad, where Medicare and most U.S. plans simply don't follow you.
Instant-Decision Term Life with Living Benefits
Term life you can often qualify for in minutes — no medical exam for many applicants — and that includes living benefits you can use if you get seriously ill.
Answers to the situations that come up most
Pregnancy coverage
Pregnant or planning? Medicaid, Marketplace rules and enrolling the baby.
Turning 26
Aging off a parent's plan without landing in a gap.
Family Glitch Calculator
Is your job's family coverage actually “affordable”?
Florida KidCare & Medicaid
Low- and no-cost coverage for children.
Limited Medicaid & family planning
Targeted coverage that many people overlook.
Marketplace verification
The Marketplace asked for documents. Here is what to send.
Let's find your best plan — free of charge
One free, no-pressure conversation and we'll translate your options into a clear recommendation — built around your doctors, medications, and budget.
- No cost to you
- RSSA® · CMIP®
- No pressure, ever