Let us help you explore the options:

ACA Health Insurance
Short Term Health Insurance
Small Group Health Insurance
Supplemental Insurance Plans


Protecting our family

2017 ACA health insurance plan choices will have - - - premium increases, higher out-of-pocket costs and fewer plan choices.

Even though you do have other options, you should give serious consideration to the pros and cons before selecting an alternative plan.

* When you apply for the Advanced Premium Tax Credit, please add the following to your healthcare.gov  application:

  • Agent: Susan Speciale
  • National Producer Number (NPN): 1635661

Small Group
Health Insurance

If you own a small business that doesn't currently offer health insurance or are interested in looking at a new product - you will want to review these options.

More on options

OFF Marketplace
Health Insurance

A health insurance policy purchased directly with the insurance company through. You can do this with me, an insurance agent.

Purchasing this way, you have determined that you are not eligible for Premium tax credits available within the Federal Marketplace at HealthCare.gov.

ON Marketplace
Health Insurance

When you apply* for individual and family coverage through the Marketplace, you’ll provide income and household information. If you qualify for Premium tax credits, you will receive savings that make insurance more affordable.
* See below for agent information to add to your application at HealthCare.gov.

Don't forget to add this...
Supplemental Insurance Plans

These afforable plans supplement some of your higher out-of-pocket medical costs. Fill this GAP with a accident, critical illness plans and more.

Short Term
Health Insurance

Short Term Health plans are generally less expensive than the ACA plans with lower in-network out-of-pockets expenses.
These plans are medically underwritten, don't cover pre-existing conditions (for a limited time) and don't meet the minimum essential coverage requirements of the ACA. You may have to pay a penalty. 
More on penalty

See if you qualify for a Health coverage exemption to opt out of a penalty.
See if you qualify for an exemption