Call (813) 944-7212

Plan booklet on a sunlit desk

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

View the full carrier list

Ready when you are

Talk through your options this week.

Call the number below or open the calendar to hold a time. We help with individual, family, group, and Medicare questions.

(813) 944-7212