Most people are eligible at age 65. You can enroll during your Initial Enrollment Period, which starts three months before your 65th birthday and ends three months after.

Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). Medicare Advantage (Part C) is an all-in-one plan offered by private insurers that often includes additional benefits like dental, vision, hearing and prescription drug coverage. 

Medicare Supplement (Medigap) plans help cover out-of-pocket costs not paid by Original Medicare. If you want more predictable expenses and greater financial protection, a Medigap plan would be a smart choice. 

Medicare Part D plans help cover the cost of prescription medications. These plans are offered by private companies and should be added to Original Medicare. You may begin to accumulate penalties if you don't have creditable prescription drug coverage.

If you're not eligible for Medicare and don't have coverage through an employer, you likely need an individual or family health insurance plan. This includes self-employed individuals, part-time workers, or those between jobs. 

We offer a variety of plan types, including ACA-compliant major medical plans. Each option is designed to fit different budgets and healthcare needs. 

You can enroll during the annual Open Enrollment Period. If you've experienced a qualifying life event—such as losing coverage, moving, or getting married—you may also be eligible for a Special Enrollment Period. 

Yes, if you choose an ACA-compliant plan, pre-existing conditions are covered with no additional costs or exclusions. Non-ACA plans will require answering medical questions. 

Yes. Depending on your income and household size, you may qualify for subsidies through the Health Insurance Marketplace that lower your monthly premiums and out-of-pocket costs.

This depends on your income, debts, family needs, and future goals. A common rule of thumb is 10–12 times your annual income, but we can help you calculate the right amount based on your situation.

Term Life: Coverage for a specific period (e.g., 10, 20, 30 years); generally more affordable.
Whole Life: Lifetime coverage with a cash value component.
Universal Life: Flexible permanent coverage with investment options.
We’ll help you choose what fits your goals and budget.

Premiums vary based on age, health, lifestyle, coverage amount, and policy type.
Term life is usually the most affordable option.

Some policies require a medical exam, while others offer no-exam options. We can guide you through both and find the best fit.

Yes! Many policies offer flexibility. You may be able to increase coverage, convert a term policy to permanent, or update beneficiaries as your needs change.