You are buying health insurance on your own. Here is how it actually works.

Most people land here because:

A job ended
A job never had benefits
A spouse's plan got expensive
A child turned 26

The rules are the same for all four, and they are not complicated once I explain them to you. I am here to help you choose well, not to sell you a plan.

When you can buy

Open enrollment: November 1 to January 15 on HealthCare.gov
Want coverage on January 1? Enroll by December 15
Some states close later because they run their own exchange

Outside open enrollment, you need a life event, such as:

Losing other coverage
Moving
Marriage or divorce
Birth or adoption of a child

Losing coverage opens a 60-day window, and it can open up to 60 days before your old plan ends.

What makes a plan a good one

Not the premium alone. Look at all four:

Are your doctors and hospital in network?
Are your prescriptions covered, and at what tier?
What do you pay before the deductible is met?
What would a bad year cost? (the out-of-pocket max)

I walk through all four with you for every plan you are considering.

What I need from you

The quickest way is my short form: Fill out the form

It asks for:

Names and birth dates for everyone on the plan
ZIP code
Estimated household income for the year
Doctors you want to keep
Prescriptions you take

Don't have it all yet? Book a time anyway, and we'll start with what you have.

Pick a time and I'll call you

What this costs you

Nothing: my help is free to you.
You pay the same whether you buy on an app, through an impersonal call center, or through a local agent.
The difference: you get me, and I answer the phone in March when a claim gets denied.

What I will tell you straight

If your job or your spouse's job offers a better deal, I will tell you.
If a short-term plan is the wrong fit, I will tell you that too.
If you are 65 or older, Medicare works differently. If you have coverage through a job, talk with me before you change anything.

Where to start

No pressure and no obligation to buy.