Health Insurance Looks Different Depending on Your Situation

Choosing a health plan for your family is one of the most important financial decisions you make each year. The monthly premium is just one piece of the puzzle. I help you understand what you're actually buying — the deductible, the network, the out-of-pocket maximum — so you can make a decision you feel confident about.

When you work for yourself, health insurance is entirely on you. The marketplace can feel overwhelming, and the wrong choice can cost you thousands. I help self-employed individuals find plans that fit their income, their health needs, and their budget — and I make sure you're not leaving any subsidy eligibility on the table.

As a 1099 contractor, your income can change significantly from year to year — and that directly affects your subsidy eligibility and plan options. I help contractors understand how their income affects their coverage options, plan for potential changes, and avoid the tax surprises that come from getting the subsidy calculation wrong.

Small business owners face a unique set of decisions: Do you offer group coverage to your employees? Is an individual plan better for you personally? What about a Health Reimbursement Arrangement? I help you understand the landscape and make a decision that works for your business and your team.

A job change, layoff, or reduction in hours triggers a Special Enrollment Period — typically 60 days to find new coverage. That window closes fast, and making the wrong choice under pressure can be costly. I help people in transition move quickly without making a decision they'll regret.

Medicare eligibility opens up a new set of decisions: Original Medicare vs. Medicare Advantage, Part D drug coverage, Medigap supplemental plans. The options are more nuanced than most people realize, and the enrollment windows matter. I help people approaching Medicare understand what's available and what fits their situation.