Individual Health Insurance in Palmetto

A plan for one, chosen carefully

Individual health insurance is coverage you purchase yourself instead of getting it from an employer. It fits contractors and freelancers, people between jobs, part-time workers without benefits, those who retired before 65, and anyone who can't afford their employer's plan.

As an independent insurance agency, we don't answer to one carrier. We shop 50+ insurance carriers and show you each one's options, and the decision stays with you.

What we do is straightforward. We look for a plan that includes your current doctors at a premium you can manage, and we put the fine print in everyday words. We handle it the way we'd hope a neighbor would handle it for us.

How we help

Plans compared together

We put plans from several carriers on a single page. Premiums, deductibles, copays and out-of-pocket limits line up so you can see the trade-offs at a glance.

Checking doctors and hospitals

Let us know your doctors and the hospital you'd use in an emergency. We confirm whether each plan's network includes them before you enroll, not afterward.

Checking your prescriptions

For medications you take regularly, we search each plan's drug list. One drug can cost very different amounts from plan to plan.

Possible savings

Plenty of people who buy their own coverage qualify for an income-based premium tax credit. We help you find out if you're one of them. Our ACA Marketplace Plans page explains how those plans work.

Help enrolling

After you decide, we complete the application together on the call and make sure it's submitted correctly. We stay on until it's finished.

When an individual plan is worth a look

• Your work coverage ended

  Losing a job-based plan usually gives you a special enrollment window. It doesn't last long, so call shortly after your final day.

• You're your own boss

  Gig workers, contractors and small business owners often go without coverage. A plan in your own name stays with you whoever you work for.

• Your renewal price went up

  Rates and networks shift each year. Last year's good choice may not be the right one today.

• You turned 26

  You can stay on a parent's plan until 26. After that, it's time for coverage of your own.

• You're new to the area

  Plans and networks differ by county. If you recently came to Manatee County, your old plan may not include doctors here.

How it works, start to finish

1. 1

   Give us a call

   We ask a few questions: your age, county, income range, doctors and medications. It takes about as long as a cup of coffee.

2. 2

   We shop the carriers

   We pull plans from the carriers that sell in your area and narrow them down to the few that fit. No one gets pushed toward a single carrier.

3. 3

   We walk through the options with you

   By phone, video or at our office, we go over each plan line by line. You ask anything you want, and we answer straight.

4. 4

   You pick, we help you enroll

   When you're ready, we help you finish enrollment. If questions come up later about a bill or a claim, you can call us back.

What decides your plan's price

There's no charge for the consultation. The carrier you pick pays us, so our review is free to you. The plan's own price comes down to a few things, and we show you how each one shifts it.

How old you are

Individual premiums rise as you age. The same plan will be priced differently for someone at 30 and someone at 60.

What you earn

Your income determines whether you get a tax credit and how much. For a lot of people, nothing affects the monthly price more.

Level of coverage

Cheaper premiums tend to come with bigger deductibles. That can suit someone who seldom sees a doctor. For frequent visits, a fuller plan may cost less across the year.

How big the network is

Plans with fewer doctors and hospitals usually cost less. We check that the lower price doesn't drop the providers you already use.

Tobacco

Tobacco users can be charged more by carriers. We ask so the prices you see are accurate.