Marketplace Health Insurance Plans
Marketplace Health Insurance Plans are designed to give individuals and families affordable, comprehensive health coverage. These plans, offered through the Health Insurance Marketplace® and regulated by the Centers for Medicare & Medicaid Services (CMS), include all the essential benefits you need—like doctor visits, hospital care, prescriptions, maternity, and preventive services. As your insurance broker, my role is to shop these plans for you, explain the differences, and guide you through the enrollment process at no cost. You may even qualify for financial help from the federal government, such as premium tax credits or cost-sharing reductions, depending on your household income. To be eligible, you must live in the U.S., be a U.S. citizen or lawfully present, and not be incarcerated. Enrollment typically happens once a year during the Open Enrollment Period, but life changes—like losing coverage, moving, or having a baby—can qualify you for a Special Enrollment Period. My job is to make sure you understand your options and help you choose the plan that best fits your needs and budget, without adding a single extra charge for my services.
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Contact us today and let us help you find the Marketplace plan that’s right for you—
at No Cost to You.
Hospital Indemnity Plans
Hospital Indemnity Insurance is a type of supplemental coverage that pays you a set cash benefit if you are admitted to the hospital or receive other qualifying care. Unlike traditional health insurance, which pays doctors and hospitals directly, this type of plan sends the benefit to you so you can decide how to use it—whether that’s to help cover deductibles, copays, or everyday expenses like rent, groceries, or childcare. The payments are made in fixed amounts based on the service you receive, such as a daily rate for hospital stays or specific benefits for outpatient procedures, ambulance rides, or diagnostic tests. Because it’s a supplement, hospital indemnity coverage is not meant to replace comprehensive health insurance, but it can provide an extra layer of financial protection and peace of mind when unexpected hospital costs arise.
Cancer, Heart Attack, Stroke Insurance Plans
Cancer, Heart Attack, and Stroke Insurance—often called critical illness coverage—is extra protection designed to give you peace of mind during life’s toughest moments. If you’re diagnosed with one of these serious conditions, the plan pays you a lump-sum cash benefit. This money goes directly to you, not the hospital, so you can decide how it’s used—whether that’s covering medical bills, paying your mortgage, or simply keeping up with everyday expenses while you focus on recovery. Benefit amounts vary, but you choose the level of coverage that works best for your needs. Some plans even provide partial payouts for early-stage conditions. Because these illnesses can bring unexpected costs on top of your regular health insurance, critical illness coverage helps protect your finances and lets you put your energy where it matters most—getting well.