Not in the traditional individual Marketplace sense. We specialize in helping individuals and families access health benefit plans through established groups and associations. Instead of standing alone as one individual or family, members become part of a much larger group—often consisting of tens of thousands of people—which can help create more efficient costs.

The structure works similarly to the way large employers such as Costco or Starbucks provide group health benefits to their employees: a large population shares the overall healthcare risk.

These plans are 100% ACA compliant, include 100% covered preventive and wellness care, and have a true annual maximum out-of-pocket, so there is a defined limit to your financial responsibility for covered healthcare expenses. Members also receive annual documentation confirming they maintained qualifying health coverage.

The structure may be different from what you're used to—the goal is the same: meaningful health benefits, strong financial protection and access to care at a cost that makes sense.

No, not everyone will qualify—and that’s okay. These health benefit options can have eligibility requirements, including health-related underwriting, so they may be a better fit for some individuals and families than others. We have access to many different carriers with a broad range of options. Just because you have asthma or seasonal depression doesn't disqualify you.

Our job is to understand your situation first, determine which options you may qualify for, and only show you plans that make sense for you.

Because most people only see the options that are marketed directly to them. If you shop for health coverage online, through the Marketplace, or through a traditional carrier, you’re generally shown individual-market products.

These health benefit plans are accessed through specific groups, associations and benefit programs, so they aren’t typically sitting on the same websites you’ve probably used before. Eligibility can also vary, which means they aren’t necessarily an option for everyone.

Many agents focus almost entirely on traditional Marketplace or carrier products, so these types of plans simply may never come up in the conversation.

They’re not a secret. They’re just accessed differently. Our job is to understand your situation and determine whether one of those options may be available and make sense for you.

We will check all doctors and providers you need. We can also provide you a link to check to see what other providers you may access.

If they meet the health qualifications for the plans.

We contact you. That’s it. No parade of unknown numbers, no 8:03 AM texts from “Brad,” and no wondering how 37 strangers learned your first name. Your phone has been through enough already.