Your Trusted Partner in Health, Life, and Retirement Protection.
Offering ACA, Medicare, Supplemental Health, and Retirement Planning Solutions Tailored to You.
Explore Your Individual Health/Under 65 Coverage Options
We offer multiple health coverage options for you and your family.
Our licensed customer service team can explain to you the plan options available to you, in consideration of your particular health and financial circumstances.
Call us at 904.719.7789, or get a quote/enroll online with the links below.
ACA Open Enrollment
Enrollment Period: Nov. 1st - January 15th
When can I sign up for insurance under the ACA?
There are 2 different enrollment periods during the year, the "OEP" or Open Enrollment Period, and the "SEP" or Special Enrollment Period.
The Open Enrollment Period occurs each year from November 1 - January 15, but if you have had a change in your situation — like getting married, having a baby, or losing health coverage — you may be eligible for a Special Enrollment Period, allowing you to enroll in health insurance outside the yearly Open Enrollment Period.
To see if you qualify for a subsidy, and view plans & rates, you can click here to be redirected to our Health Sherpa enrollment platform.
What is a subsidy?
Depending on your income and family size, you may qualify for a subsidy (also known as a Premium Tax Credit) that will help reduce the cost of the monthly insurance premiums. In some cases, this subsidy may allow you to get coverage for even $0 per month.
To see if you qualify for a subsidy, and view plans & rates, you can click here to be redirected to our Health Sherpa enrollment platform.
How much do ACA plans cost?
Rates will vary based on your family size, income and where you live. You can run a quick quote on our Health Sherpa platform by clicking on the link below.
Those who do not get a “subsidy” may find these plans very expensive and may benefit from reviewing our other health options like “Association” and “Shareable” plans. - Call our agents to learn more.
To see if you qualify for a subsidy, and view plans & rates, you can click here to be redirected to our Health Sherpa enrollment platform.
New "ACA Type" Healthcare Options
IHA Healthcare is a new plan option that, if you are approved, provides an excellent healthcare program that has ALL of the depth of an ACA plan - but you can use it in all 50 States. It can be purchased in every state except Washington.
✅ Must be self-employed/1099 to qualify
✅ Many of the same components of traditional health insurance, including "first day coverage", no pre-exisiting conditions, national network, and more.
✅ Plans available for individuals and families
✅ Issues ages: 18-64
✅ Underwriting required for approval
Medical Cost Sharing - (Individual & Group Health Programs)
These Non-Profit, Non-Insurance Programs are favored by healthy people who prefer a more affordable option, but don’t want to utilize a “Hospital Indemnity,” “Short Term Medical” or other, lesser comprehensive options.
These programs do have a Pre-Existing limitation that vanishes after 3 years and has unlimited benefit for eligible bills.
Our MCS programs have a sterling record of paying eligible bills and of stable, affordable rates. Our President, Clay Peek, uses one of these plans for his family.
✅ These options are typically 50 - 70% less expensive than an Affordable Care Act plan.
To learn more and get a quote, call to speak with our agents.
Faith-Based Medical Cost Sharing Plans
Health care sharing ministries are organizations that facilitate sharing of health care costs among individual members who have common ethical or religious beliefs.
To learn more about these plans and get a quote, call to speak with our agents.
Short Term Medical Plans
A Short-Term Medical (STM) plan is a less expensive way to ensure healthy individuals and families for up to 11 months (length will vary by state). More comprehensive STM plans will require you to answer some medical questions, and less comprehensive plans are guaranteed issue.
You may choose to begin coverage as early as midnight tonight, once you submit your application and payment.
To learn more and get a quote, call to speak with our agents.
Supplemental Coverage Options
We offer a variety of supplemental coverage options to fit your needs:
✅ GAP plans (to cover out of pocket costs)
✅ Accidental Injury Plans
✅ Dental/Vision/Hearing Coverage
✅ Critical Illness and Cancer Plans... & more!
Life Insurance
We offer multiple Life Insurance options for you to choose from: Term Life, Whole Life, and Final Expense plans.
In any moment of decision, the best thing you can do is the right thing, the next best thing is the wrong thing, and the worst thing you can do is nothing!
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