Self-employed, between jobs, growing your family or approaching retirement? We help you compare health plans by doctors, prescriptions and total yearly cost — not just the monthly premium.
Health insurance has four price tags, not one: the monthly premium, the deductible, your copays and coinsurance, and the out-of-pocket maximum. A low-premium plan can cost far more over a year if you see specialists or take regular prescriptions. Our agents help you estimate your full annual cost based on how you actually use care.
Networks matter just as much. Before choosing a plan, it's worth confirming that your preferred doctors, hospitals and pharmacies are included. We'll help you check so there are no surprises at your next appointment.
Depending on your income and household size, you may qualify for savings that lower your premium. During open enrollment — or after a qualifying life event like marriage, a move, a new baby or losing other coverage — we can help you understand your choices.
Every policy is a bundle of individual protections. Here's what each piece does, in plain language.
Lower costs with a primary care doctor coordinating care inside a set network.
More freedom to see specialists and out-of-network providers, usually at a higher premium.
A middle ground: no referrals needed, but care must stay in-network.
Lower premiums paired with a tax-advantaged health savings account.
Plans designed to work alongside government health programs for those 65+.
Standalone plans for checkups, glasses, contacts and dental work.
A simplified look at common coverage levels. Your agent will tailor this to your situation.
| Metal Tier | Monthly Premium | Costs When You Get Care | Good Fit For |
|---|---|---|---|
| Bronze | Lowest | Highest | Healthy people wanting worst-case protection |
| Silver | Moderate | Moderate | Balanced needs; may qualify for extra savings |
| Gold | Higher | Lower | Frequent doctor visits or prescriptions |
| Platinum | Highest | Lowest | High expected medical usage |
Typically during the annual open enrollment period, or within a special enrollment window after a qualifying life event.
The most you'll pay for covered in-network care in a plan year. After that, the plan pays 100% of covered costs.
Possibly. It depends on whether your doctor participates in the plan's network — we'll help you check.
You can buy individual or family coverage and may qualify for income-based savings.
One quick call. A licensed agent compares options for you while you listen.