Shielding Your Future

I'm turning 26

Does turning 26 qualify me for a Special Enrollment Period?

Aging off a parent's plan at 26 counts as loss of coverage, which opens a 60-day Special Enrollment Period to enroll in your own marketplace plan, and income-based savings are common for young adults starting out.

I just got married

Does getting married qualify me for a Special Enrollment Period?

Marriage triggers a 60-day Special Enrollment Period, and you and your spouse can enroll in a new plan or combine coverage outside of open enrollment.

I had a baby or my family grew

Do I need to update my coverage and life insurance for a new child?

Birth or adoption triggers a 60-day Special Enrollment Period (coverage backdated to the date of birth), and it's the right moment to lock in affordable term life insurance to protect your growing family.

I'm self-employed or gig work

How do 1099 workers get affordable health insurance?

Self-employed workers buy on the ACA marketplace, typically qualify for income-based subsidies, and can deduct premiums on their taxes.

I run a business

Can I offer health benefits without a group plan?

An ICHRA lets you reimburse employees tax-free for their own individual coverage, with no minimum participation and no group underwriting.

I want to cut costs and grow wealth

How can a licensed agent help me cut costs and grow wealth?

We compare plans side by side, uncover subsidies and tax advantages you may be missing, and recommend low-cost life insurance and annuity strategies that protect your wealth while keeping premiums affordable.

I lost my job or employer coverage

What are my options after losing employer coverage?

You have 60 days to enroll in an ACA plan, which is usually cheaper than COBRA, and your new income may qualify you for subsidies.

I'm retiring soon

Does retirement qualify me for a Special Enrollment Period?

Retiring and leaving employer coverage triggers a 60-day Special Enrollment Period on the ACA marketplace, and it starts your Medicare Initial Enrollment window if you're 65 or older.

I'm turning 65

Does turning 65 qualify me for a Special Enrollment Period?

Turning 65 opens your Medicare Initial Enrollment Period, the 7-month window spanning the 3 months before your birthday month through the 3 months after.

I'm going through a divorce

Does divorce qualify me for a Special Enrollment Period?

Losing coverage through a divorce or legal separation triggers a 60-day Special Enrollment Period, and your new household income is often much lower, which can unlock larger monthly savings.

I just graduated

What are my health insurance options after graduating?

Losing student or parent coverage after graduation opens a 60-day Special Enrollment Period, and an early-career income often qualifies for meaningful monthly savings.

I moved to a new home or area

Does moving qualify me for a Special Enrollment Period?

A permanent move to a new ZIP code or county with different plan options triggers a 60-day Special Enrollment Period, as long as you had qualifying coverage for at least one of the 60 days before the move.

I'm turning 26

Does turning 26 qualify me for a Special Enrollment Period?

Aging off a parent's plan at 26 counts as loss of coverage, which opens a 60-day Special Enrollment Period to enroll in your own marketplace plan, and income-based savings are common for young adults starting out.

I just got married

Does getting married qualify me for a Special Enrollment Period?

Marriage triggers a 60-day Special Enrollment Period, and you and your spouse can enroll in a new plan or combine coverage outside of open enrollment.

I had a baby or my family grew

Do I need to update my coverage and life insurance for a new child?

Birth or adoption triggers a 60-day Special Enrollment Period (coverage backdated to the date of birth), and it's the right moment to lock in affordable term life insurance to protect your growing family.

I'm self-employed or gig work

How do 1099 workers get affordable health insurance?

Self-employed workers buy on the ACA marketplace, typically qualify for income-based subsidies, and can deduct premiums on their taxes.

I run a business

Can I offer health benefits without a group plan?

An ICHRA lets you reimburse employees tax-free for their own individual coverage, with no minimum participation and no group underwriting.

I want to cut costs and grow wealth

How can a licensed agent help me cut costs and grow wealth?

We compare plans side by side, uncover subsidies and tax advantages you may be missing, and recommend low-cost life insurance and annuity strategies that protect your wealth while keeping premiums affordable.

I lost my job or employer coverage

What are my options after losing employer coverage?

You have 60 days to enroll in an ACA plan, which is usually cheaper than COBRA, and your new income may qualify you for subsidies.

I'm retiring soon

Does retirement qualify me for a Special Enrollment Period?

Retiring and leaving employer coverage triggers a 60-day Special Enrollment Period on the ACA marketplace, and it starts your Medicare Initial Enrollment window if you're 65 or older.

I'm turning 65

Does turning 65 qualify me for a Special Enrollment Period?

Turning 65 opens your Medicare Initial Enrollment Period, the 7-month window spanning the 3 months before your birthday month through the 3 months after.

I'm going through a divorce

Does divorce qualify me for a Special Enrollment Period?

Losing coverage through a divorce or legal separation triggers a 60-day Special Enrollment Period, and your new household income is often much lower, which can unlock larger monthly savings.

I just graduated

What are my health insurance options after graduating?

Losing student or parent coverage after graduation opens a 60-day Special Enrollment Period, and an early-career income often qualifies for meaningful monthly savings.

I moved to a new home or area

Does moving qualify me for a Special Enrollment Period?

A permanent move to a new ZIP code or county with different plan options triggers a 60-day Special Enrollment Period, as long as you had qualifying coverage for at least one of the 60 days before the move.