For families
Health insurance for your whole family.
Covering a family is more than picking a plan with a low premium. It is making sure your kids’ doctors are in network, your prescriptions are covered, and you are not leaving savings on the table. That is exactly what we do for you, at no cost.
Where most families start: the Marketplace
For most families, an ACA Marketplace plan is the foundation. It is comprehensive coverage that cannot deny anyone for a pre-existing condition, it includes pediatric care, and depending on your income you may qualify for a subsidy that lowers what you pay each month, sometimes by a lot. The subsidy rules change year to year, so the most important thing we do is run your actual numbers for the current year, not a guess. And outside the yearly open enrollment window, a life change like a new baby, a move, or losing other coverage can open a special enrollment period, which we check for you.
Covering just your kids
Sometimes the parents have coverage and you only need the children covered. We can do that through a child-only Marketplace plan or on the private side through carriers like Allstate, and we will compare both so you see the real tradeoffs.
When a private or short-term plan fits
Between jobs and need a bridge? A short-term or private plan can fill a gap for a healthy family. Just know these are not ACA-comprehensive plans and may not cover pre-existing conditions, so we walk you through exactly what they cover and where the gaps are before you decide.
Coverage beyond medical: dental, vision, and accident
Kids’ dental and vision are usually separate from medical, and an accident plan can help with the ER bill when a kid breaks an arm, which happens more than parents expect. We can bundle these so your whole family is actually covered, not just medically.
Protecting the people who depend on you
If anyone depends on your income, life insurance belongs in the conversation too. A simple term policy can protect your family’s home and future for less than most people expect. See our life insurance page, or just ask when we talk.
Common questions
Questions families ask us
Can my kids be denied for a health condition?
Not on an ACA Marketplace plan, those cannot deny or rate a child for health history, and they cover pediatric care. Private plans work differently, so if you are looking outside the Marketplace we will explain exactly how a plan handles pre-existing conditions before you enroll.
Can I cover just my child?
Yes. We can set up a child-only policy through the Marketplace or on the private side through carriers like Allstate, and we will compare both routes for you.
Will my pediatrician still be covered if I switch?
We check before you switch. Confirming your kids’ doctors and hospitals are in the plan’s network is part of how we shop, so there are no surprises at the front desk.
Is there any cost to having you help our family?
No. The carrier builds the same commission into the premium whether or not you use an agent, so our help is free to you, and we are independent, so we are not paid more to put your family on any one plan.
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