The right insurance protects you from life’s unexpected events. We make insurance simple and stress-free, so you’re always covered.
We specialize only in private insurance solutions. We provide Medicare, Medicaid, or ACA marketplace coverage. Our focus is on flexible, private plans tailored to your individual or family needs.
However, we want to ensure you get the exact coverage you need. Here is a clear breakdown of the differences between Marketplace and Private Insurance to help you decide what is right for you:
1️⃣ Where You Get the Plan
Marketplace (ACA): Purchased through HealthCare.gov or your state exchange. Regulated under the Affordable Care Act (ACA).
Private Insurance: Purchased directly through a broker, carrier website, or private exchange. Not all plans are ACA-compliant.
2️⃣ Subsidies (Biggest Difference)
Marketplace: Eligible for premium tax credits (subsidies) based on income. May qualify for cost-sharing reductions. (Note: If you qualify for a strong subsidy, Marketplace is usually more affordable.)
Private: No income-based subsidies. The full premium is paid by the client.
3️⃣ Underwriting
Marketplace: No medical underwriting (guaranteed issue). Covers pre-existing conditions.
Private: Often requires health questions. Can deny coverage based on medical history or exclude pre-existing conditions.
4️⃣ Coverage Requirements
Marketplace: Must cover Essential Health Benefits (maternity, mental health, prescriptions, preventive care at $0). No lifetime or annual limits.
Private: May not cover maternity, may have benefit caps, and may limit certain services.
5️⃣ Networks
Marketplace: Often HMO or narrow networks with limited out-of-network benefits.
Private: Many options include PPO networks with broader, sometimes national, coverage.
6️⃣ Enrollment Periods
Marketplace: Open Enrollment is typically Nov–Jan. Special Enrollment is required outside that window.
Private: Available year-round in most cases.
Yes, you may still qualify, but pre-existing conditions are not covered during the first 12 months of your policy. After that period, coverage may apply based on your plan.
In most cases, no. Many of our health, dental, and final expense policies do not require a medical exam—just a simple application and basic health questions.
Yes. We offer both individual and family coverage for health, dental, and vision insurance. Life and final expense insurance can also be set up to protect your loved ones.
We provide flexible coverage options at different price points to fit any budget. Premiums vary depending on age, coverage amount, and plan type, but affordability is always a priority.
Term life insurance provides financial protection for your family if you pass away during the policy term. The benefit can be used to cover living expenses, pay off debts, fund education, or provide income replacement.
Term life insurance is temporary coverage for a set number of years, designed to provide higher payouts for income protection and large expenses. Final expense insurance is permanent, lifelong coverage meant to cover funeral costs, medical bills, and end-of-life expenses.
Yes, our private health and dental plans connect you with large provider networks, giving you flexibility to choose from a wide range of doctors, hospitals, and dentists.
Coverage can often start as soon as your application is approved. Some policies offer immediate protection, while others may begin the following month depending on the plan selected.
Private insurance offers flexibility, faster enrollment, more provider options, and plans tailored to your lifestyle. With us, you don’t deal with the restrictions or confusion of government programs—you get straightforward coverage that works for you.
Reliable private insurance for health, life, dental, vision, and final expense—protecting you and your loved ones with peace of mind.
