Health Insurance for Healthy Individuals & Families Who Pay Out of Pocket

If you don't have employer coverage and earn too much for an ACA subsidy, you're likely paying more than necessary for less flexibility than desired in your health insurance plans. Consider exploring customized health coverage that includes options like dental and vision insurance for greater value.

Most people compare one or two health insurance plans under time pressure, which often leads to cookie-cutter coverage. I specialize in providing customized health coverage tailored to your specific needs. By shopping across various carriers, I ensure you receive the best value while also considering essential options like dental and vision insurance.

Because you're healthy, you might qualify for customized health coverage through medically underwritten plans. This private coverage can cost significantly less than marketplace options. While marketplace plans are 'guaranteed issue' without underwriting, which contributes to their higher costs, I offer access to multiple nationwide PPO carriers, including UHC, Cigna, Anthem/BCBS, and Aetna, along with options for dental and vision insurance.

Health coverage is just one piece of the puzzle. I shop for customized health coverage that includes dental and vision insurance, as well as life insurance, across various carriers. This way, you won’t have to settle for whatever comes bundled with your health insurance plans.

I make too much for a subsidy; am I stuck with expensive marketplace plans? Not necessarily. If you're healthy, customized health coverage through medically underwritten plans can cost dramatically less. What should I watch for when comparing health insurance plans on my own? Always read the summary of benefits. A real major medical plan clearly states its deductible and out-of-pocket maximum. Watch for 'limited benefit' or visit-limit plans. They can suit some people, but they aren't major medical coverage. Additionally, consider whether you need dental and vision insurance, as these are often separate from standard health plans.