Individual & Family Health Insurance for People Under 65

Not on an employer plan? You have more options than you might think — and the right choice depends on your income, health, and family situation. As an independent broker, I help individuals, families, self-employed professionals, and early retirees in New Hampshire, Maine, Pennsylvania, North Carolina, Ohio, and Texas find the coverage that fits their life.

Your Options at a Glance

ACA Marketplace Plans: Available during Open Enrollment (Nov 1 – Jan 15) or after a qualifying life event. Many people qualify for premium tax credits that significantly reduce monthly costs — even those with moderate incomes. I can help you determine your subsidy eligibility and compare Bronze, Silver, Gold, and Platinum tiers.

Short-Term Health Insurance: Flexible, lower-cost coverage for gaps between jobs, aging off a parent's plan, or waiting for Medicare eligibility. Not ACA-compliant, but useful for the right situations.

Private Health Plans: Some carriers offer plans outside the Marketplace with different network and cost structures. These can be a good fit for self-employed professionals or those who don't qualify for subsidies.

Who I Help

Self-employed individuals and freelancers | People between jobs | Early retirees (ages 55-64) | Adults aging off a parent's plan | Families not covered through an employer

Call (603) 494-6535 or request a free quote. I'll compare options across multiple carriers so you get the best coverage at the lowest available cost.