Health Insurance Solutions for Under 65
Get help navigating Pennie and Affordable Care Act Marketplace plans with expert guidance.
Affordable Health Coverage Options
If you're under 65 and need health insurance, you still have options.
Whether you're self-employed, between jobs, retiring early, or simply exploring better coverage, understanding how individual health insurance works is the first step.
We’re here to guide you through it—clearly and simply.
How Under-65 Health Insurance Works
Most individuals under 65 get coverage through the Affordable Care Act (ACA), which provides access to comprehensive health plans-often with financial assistance.
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Affordable Care Act Marketplace (ACA) Plans
Comprehensive health insurance covering essential services like doctor visits, hospital care, prescriptions, and preventive care.
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Subsidies & Cost Savings
Many individuals qualify for reduced monthly premiums based on income.
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Pennie (Pennsylvania Residents)
The state's official health insurance marketplace, where you can compare plans and see if you qualify for financial assistance.
Find a Plan That Fits Your Life and Budget
There are different levels of coverage available, designed to balance monthly costs and out-of-pocket expenses.
Plan Levels:
Bronze Plans
Lower monthly premiums, higher out-of-pocket costs.
Silver Plans
Balanced premiums and costs-often the best option for those eligible for subsidies.
Gold Plans
Higher premiums with lower out-of-pocket costs when you receive care.
We help you compare these options side-by-side so you can choose what works best for your situation.
Know Your Enrollment Options
You can enroll in an under-65 health plan during:
Open Enrollment Period
Typically, once per year for new coverage
Special Enrollment Period
Available if you’ve experienced a qualifying life event such as:
Losing employer coverage
Moving to a new area
Getting married or divorced
Having a child
Your Simple Path to Coverage
Step 1
Book Your Appointment
Pick a time to meet with an advisor.
Step 2
Prepare Your Details
Gather income, household size, doctors, and prescriptions.
Step 3
Review Plan Options
We explain available plans, costs, and benefits.
Step 4
Select Your Plan
Choose your plan-we handle enrollment.
Step 5
Ongoing Support
We assist with updates, renewals, and questions.