Health Insurance

Most young adults can remain on a parent's health insurance plan until they turn 26. After that, they may qualify for a Special Enrollment Period, allowing them to enroll in an individual or Marketplace (ACA) health plan outside the annual Open Enrollment period. We'll help your family review the available options and choose coverage that fits their needs and budget.

For most people, the best time to enroll is during their Initial Enrollment Period, which begins three months before the month they turn 65 and ends three months after. Missing important enrollment deadlines can result in penalties or gaps in coverage. We'll help you understand your options and enroll with confidence.

Marketplace (ACA) health insurance is designed for individuals and families who are not yet eligible for Medicare and may qualify for premium tax credits based on income. Medicare is a federal health insurance program primarily for people age 65 and older or those who qualify because of certain disabilities. We'll help determine which coverage is right for your situation.

Many health insurance plans have provider networks, so it's important to verify that your preferred doctors, hospitals, and specialists are included before enrolling. We'll help you compare plans and check provider networks so you can make an informed decision.

The cost of health insurance depends on factors such as your age, household size, location, income, and the type of coverage you choose. Many individuals and families qualify for financial assistance through the ACA Marketplace. We'll help you explore your options and find coverage that fits your budget.