Health Insurance

Our first priority is helping you take care of yourself and your family because if you don’t have your health, you don’t have anything. It makes sense that protecting and maintaining your health should be your first priority.  Unfortunately, health insurance has proven to be quite controversial and a source of frustration for many – escalating costs and confusion about coverage is common. 

To work with an insurance agent directly, please complete our intake form: 

Intake Form
Individual Health

Individual Health

(ACA Only)

These are qualified health plans that have essential health benefits and do not discriminate for pre-existing conditions.  

Apply Now
Short-Term Medical 

Short-Term Medical 

(Non-ACA)

These plans provide coverage for up to 24 months, or for as little as a few months, to fill a gap. They contain limitations and exclusions and do not contain minimum essential coverage like ACA plans; however, they may be more affordable and provide greater flexibility.

Apply Now
Indemnity Plan 

Indemnity Plan 

(Non-ACA)

Traditional plans may not work for everyone, whether that reason is cost or narrow networks. Sidecar Health created plans with affordable, robust coverage that can be used at any healthcare provider and pharmacy.

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Dental Insurance

Dental Insurance

Healthy teeth and gums are not only important to your appearance, but they are also vital to the overall health of your body. 

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Vision Insurance

Vision Insurance

You and your eyes deserve to be healthy and happy. We have partnered with VSP, the largest provider of vision insurance, to provide the best coverage for you and your family. 

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Affordable Care Act Experts

Health insurance may be the most important type of insurance you can carry. That’s because it affects more areas than just your health, it can also affect your financial bottom line.

Unexpected medical bills can devastate your finances. Health insurance doesn’t just help you pay for care, it can also financially protect you and your family in the event of unexpected medical event.

Unpredictable costs can rob your peace of mind. You don’t want to be in the position of adding “money stress” to an already stressful medical situation. Since care costs are so unpredictable, proper coverage can give you definite peace of mind in knowing you are protected from most of these costs.

Uncovered illness can eliminate your options. Proper coverage means you have options. When you don’t have insurance, you’re at the mercy of the healthcare system, which often means no care at all.

Individual Health Insurance Plans

On March 23, 2010, President Obama signed the Affordable Care Act. This law was designed to bring comprehensive health insurance reforms, hold insurance carriers accountable for costs, and  give more consumers access to health care.

Each year, there is a period of time called “open enrollment," which runs from November through January. During this time, you can shop and apply for a new health insurance plan if you find your current plan unsuitable. Once open enrollment period ends, you cannot buy or change a plan unless, you have a qualifying life event (such as losing your current coverage, getting married, or having a baby).

Consumers are also offered tax credits if their household income falls below established thresholds. The law also requires penalties, based on income or number of dependents, for consumers who choose not to participate in a health care plan.

Until recently, most people got their health insurance from their employer, and those with lower incomes received coverage from the government. But more and more, people are buying private health insurance plans tailor made for individuals, and families.

If you find yourself in this position, without a clear understanding of what you should do or even look for, you may want to investigate getting an individual health insurance plan from us now.

Why Choose Our Company?

Because we are an independent agency offering timely health insurance quotes and online applications from multiple health insurance companies. Compare options, and apply online from the convenience of your own home or office.

We can help you simplify what seems complex, and help you choose from quality, competitive health care plans, including:

  • HMO plans: An HMO, Health Maintenance Organization, is a specific type of health care plan that sets out guidelines under which doctors can operate. On average, health care coverage through the use of an HMO costs less than comparable insurance packages
  • Major Medical: Provides benefits for most types of medical expenses that may be incurred. Offering more complete coverage with fewer gaps, major medical insurance covers a much broader range of medical expenses with generally higher individual benefits and policy maximum limits
  • Surgical policies: Most health insurance plans sold today are major medical plans, but there are a few hospital and surgical health insurance plans on the market. Surgical health plans often aren't as comprehensive as major medical plans, but are typically less expensive
  • Dread Disease Policies: Often called “cancer policies,” dread disease policies cover one or more dread diseases: cancer, heart disease, or other major maladies
  • Hospital indemnity: A hospital indemnity plan provides a daily benefit each day you are hospitalized. This daily amount is paid to you, and the benefit is triggered simply by confinement as an inpatient

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

Contact us today, and we'll help you protect what matters most.

Not Sure Which Option is Best for You? Contact Us to Learn More.

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