Insurance Plans That Fit Your Life

The Affordable Care Act marketplace offers comprehensive health coverage with essential benefits including preventive care, prescriptions, hospitalization, and mental health services. Most households qualify for premium tax credits that significantly reduce monthly costs.

• 10 essential health benefits required by law
• Premium tax credits based on household income
• No denial for pre-existing conditions
• Open enrollment November–January; SEP for qualifying events
• Individual, family, and small business plans available
• Catastrophic plans available for those under 30

Short-term health plans provide temporary coverage during transitions — between jobs, waiting for employer benefits, or bridging to Medicare. Plans can be customized with different deductibles and benefit maximums to match your budget.

• Coverage available within 24 hours of approval
• Flexible plan durations (30 days to 12 months)
• Customizable deductible and benefit levels
• Large network of physicians and hospitals
• Prescription drug discounts included
• Renewable options available

Supplemental plans pay cash benefits directly to you, helping cover out-of-pocket costs that primary health insurance doesn't address. These plans work alongside any existing coverage to provide an extra layer of financial protection.

• Hospital indemnity — daily cash benefit during hospitalization
• Critical illness lump-sum payment upon diagnosis
• Accident insurance for unexpected injury expenses
• Dental and vision coverage
• Cancer-specific policies available
• Portable — coverage follows you between jobs

Life insurance ensures your family is protected financially if the unexpected happens. We offer term and whole life products from top-rated carriers, and our agents help you determine the right coverage amount and policy type for your situation.

• Term life — affordable coverage for a defined period
• Whole life — permanent coverage with cash value growth
• No-exam options available for qualifying applicants
• Coverage from $25,000 to $2,000,000+
• Accelerated death benefit riders available
• Free beneficiary review and policy checkup