
Individuals or families
Health Insurance Plans
ACA marketplace plans, self-employed / 1099 coverage, and nationwide networks — compared side by side for your ZIP, doctors, and budget.
What’s typically on the table
- Affordable Care Act (Obamacare)*
- Plans for self-employed / 1099
- Nationwide networks
- HMO / EPO / POS / PPO plans
- $0 and low-deductible plans
*A Special Enrollment Period (SEP) may be required for ACA plans outside Open Enrollment.
If you are self-employed or a 1099 contractor, private major-medical options can be a better match than a group plan you do not have. If you are a W-2 employee without coverage, we look at marketplace plans first.
Open Enrollment is the default path for ACA plans. A qualifying life event can open a Special Enrollment Period. Missed the window with no qualifying event? Private (non-ACA) coverage is open year-round — see Non-ACA Plan Options.
Bring your ZIP, household size, and any doctors you need in-network.
Carriers we discuss here

UnitedHealthcare
Health, Medicare & group

Allstate Benefits
Level-funded group health

Cigna
Health, dental, Medicare & group

Aetna
Health, Medicare & group

Ambetter
ACA marketplace health

Florida Blue
Health, Medicare & group

Oscar
ACA marketplace health

Humana
Medicare, health & group

Molina Healthcare
ACA marketplace & Medicare

Manhattan Life
Life, health, Medigap & ancillary

National General
Major medical, Medicare, short-term

Medical Mutual
Health, Medicare & group

PHCS / MultiPlan
PPO network access