If you: Don’t get insurance through a job, are self-employed, or aren’t yet eligible for Medicare, this may be your go-to option.
In plain English: These plans, created under the Affordable Care Act (also known as Obamacare), prevent insurers from denying you for pre-existing conditions and guarantee essential benefits like doctor visits, prescriptions, and hospital care. Plus, you may qualify for discounts based on your income.
When to enroll: Generally, once a year during Open Enrollment (November–January), unless you have a “life event” like getting married or losing other coverage.
If you: Are 65 or older, or have a qualifying disability.
In plain English: Medicare is a federal program with different “parts” that cover specific services:
Part A: Hospital stays
Part B: Doctor visits and outpatient care
Part C (Medicare Advantage): All-in-one plans offered by private insurers
Part D: Prescription drugs
Many people also add a Medigap plan to help with out-of-pocket costs.
If you: Have limited income due to your life situation—whether you’re a parent, pregnant, a senior, or living with a disability.
In plain English: Medicaid is a state and federal program offering low-cost or free coverage to those who qualify. Eligibility and benefits vary by state, and you can apply anytime—no need to wait for an enrollment window.
If you: Want more provider choices, missed Open Enrollment, or don’t qualify for ACA subsidies.
In plain English: These are plans bought directly from insurers (on or off the Marketplace). They can offer different networks and benefits but may not include all the protections ACA plans do. Be sure to read the fine print—especially with short-term plans.
You don’t have to become a health insurance expert to get the right coverage. My role as an independent advisor is to simplify this process for you. I’ll help match your needs, budget, and lifestyle with a plan that works—without the sales pitch.