Medicare Advantage Plans (MAPD & SNPs)
Seniors 65+
- Often $0 premium with dental, vision, hearing, OTC, and more
- Chronic Special Needs Plans (C-SNPs) for diabetes, heart, etc.
- Dual plans for Medicaid + Medicare beneficiaries
Health Insurance for Self-Employed
Short-Term Medical Plans
Seniors 65+
- Healthy individuals needing gap coverage (e.g., between jobs) Affordable monthly premiums
- Flexible durations (1 to 12 months or more)
- Good for people not eligible for ACA subsidies
ACA Marketplace Plans (Individual & Family)
Low-to-middle income individuals, families, self-employed, homeless
- Subsidies reduce premiums for most enrollees
- Covers essential health benefits (EHBs)
- Year-round Special Enrollment Periods (SEPs) available for qualifying life events
Final Expense / Hospital Indemnity / Critical Illness Add-ons
Seniors, fixed-income clients
- Pays cash directly to the insured
- Covers deductibles, hospital stays, or burial costs
- First Year No Premium $3000 accidental death Insurance
- Low-cost supplemental protection
Dental and Vision
Dental plan with immediate coverage for major dental work , no deductibles, and no Maximum amount insurance will pay
Group Health Insurance (Small Businesses: 1–50 Employees)
Business owners, LLCs, contractors
- Tax-advantaged for employer and employees Using HSA
- Can include PPO networks, dental/vision add-ons
- Helps employers attract and retain workers.
- Premiums as low as $32.00 per month
