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877-734-3884
Calculate your cost
for health and life Insurance!
Get Rates & Plans Now
Or call today!
877-734-3884

Affordable Care Act
Special Enrollment Period

The COVID-19 Special Enrollment Period ended August 15. Applicants must reside in the selected plan’s service area, be legal U.S. residents, not be incarcerated, and have a “qualifying life event,” e.g. loss of employer group coverage, in order to qualify for a Special Election Period. In most cases applicants MUST provide proof of prior coverage.

With some exceptions, application must be made by the 15th of the month in order for enrollment to be effective the first of the following month.

YOU CAN’T BE DENIED COVERAGE OR CHARGED EXTRA IF YOU HAVE A PRE-EXISTING CONDITION.

Open Enrollment for 2022 plans begins November 1, 2021 and ends January 15, 2022.

Enrollment Calendar

REQUEST A QUOTE

You Might Qualify For A Government Subsidy

Call us now at 877-734-3884 or 561-734-3884

Click REQUEST A QUOTE, enter all requested information including the optional information. We'll provide an estimate of your subsidy if you qualify and suggest some plans to consider.

Most carriers permit you to buy off the exchange if you're not eligible for a subsidy. As applicable, we’ll provide quotes for off-exchange plans.

COMPLETE THE INCOME INFORMATION ON THE QUOTE FORM TO DETERMINE IF YOU’RE ELIGIBLE FOR A SUBSIDY

The Affordable Care Act is complicated and can be quite confusing. Find answers to many of the most frequently asked questions regarding provisions of the law that affect individual and family health insurance.

LEARN MORE

Note: As a result of our contribution and success during the 2021 Affordable Care Act open enrollment period and COVID-19 special election periods we’ve been recognized by the Centers for Medicare and Medicare Services for The Circle of Champions Program and Connecting Consumers with Coverage recognition programs respectively.

Marketplace Circle of Champions 2021 Connecting Consumers with Coverage Badge

2022 Schedule
Affordable Care Act Open Enrollment

Open Enrollment will begin November 1, 2021 and end January 15, 2022
on the federal facilitated marketplace for 2022 plans.

Between August 16 and October 31, 2021 you can enroll in a plan
ONLY if you have a “qualifying life event.”

You may be eligible to enroll for another type of plan.
Call us at 561-734-3884 or 877-734-3884 for details.


2022 Schedule
Medicare Annual Enrollment Period

Medicare Annual Enrollment begins October 15, 2021 and
ends December 7, 2021 for a January 1, 2022 effective date.

You’re eligible to enroll now if you’re first becoming eligible for
Medicare or are eligible for another type of enrollment period.
Enrollment rules differ between Medicare Supplement plans and
Medicare Advantage, Medicare Advantage Prescription Drug,
and stand-alone Prescription Drug Plans.

Call us at 561-734-3884 or 877-734-3884 for details.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

More choices
Lower rates!
Calculate your health Insurance cost!
Get Rates & Plans
Or call today!
877-734-3884