Health insurance that actually fits your life.
Marketplace health plans, Medicare, a plan for your team, or coverage for the people who depend on you. Whatever brought you here, you get a straight answer in plain language — in English or Spanish — and asking costs you nothing.
“Very professional and a kind man! Helped me so much, and got me the best services possible!!”
“Gracias Neil por tu ayuda al escoger el plan correcto de Medicare, por el seguimiento para que todo esté bien, un servicio excelente!”
Why work with a broker
Three specific things that happen here. None of them cost you anything — the carrier pays the commission either way, which is also why there is no reason to steer you anywhere.
Your doctors and prescriptions get checked first
Before any plan is recommended, your own doctors and the medications you actually take get checked against it. That is the part that changes the answer, and it is the part the mailers and the TV ads never mention.
Your help with the premium gets checked, not assumed
Subsidies are based on estimated income, so if yours changed, your help may have changed too. What a site shows you is an estimate — your state runs the final numbers, and those get checked with you before anything is locked in.
The same person answers next year
When a renewal changes, a claim goes wrong, or the state or the carrier gets something wrong, you are not starting over with a stranger who has never seen your file.
What’s going on with your coverage?
Health Insurance
Marketplace plans through Access Health CT, Get Covered NJ and Pennie. Subsidy help, locked accounts, and what to do when you lose Medicaid.
How marketplace plans work →Medicare
Turning 65, or already enrolled and wondering if you’re on the right plan. Advantage, Supplement and Part D.
How Medicare works here →Small Business
Group health for teams of roughly 2 to 25 — including setups where you set a fixed monthly budget and your team picks their own plan.
Small business health insurance →Life Insurance
Term, whole life, final expense and burial insurance — coverage for the people who depend on your income.
How much life insurance you need →Disability Insurance
Short-term and long-term disability, critical illness and accident expense — the paycheck itself, covered. Quote it yourself in minutes.
What disability insurance covers →Retirement & Financial
Retirement planning, annuities, and a free financial literacy program that’s open to anyone — client or not.
Retirement planning and annuities →Dental, Vision & Gap Coverage
Dental and vision are usually not in a health plan at all, and even a good plan hands you the first few thousand dollars of a hospital stay. These are the small policies that cover that gap.
Dental, vision and gap coverage →Just lost your coverage? You probably have 60 days — and the clock started the day it ended.
Losing HUSKY, NJ FamilyCare, Medical Assistance or a plan through work opens a window to enroll right away. In Connecticut that window is 60 days from the day the coverage ends. People miss it constantly, almost always because someone well meaning told them to wait for open enrollment. Bring us the letter you got and we will tell you the exact date the clock started.
What counts as a qualifying event →Questions people ask before they call
What is the difference between Medicare and buying my own health insurance?
They are two different systems. Medicare is the government program people move onto at 65, and sometimes earlier through disability. Buying your own health insurance means choosing a private plan yourself, usually through your state’s marketplace, and often with help paying for it based on what you earn. Different plans, different sign-up windows, different rules. Working out which of the two you are in is the first thing worth sorting, and we handle both.
Which states can you help me in?
Connecticut, Massachusetts, New Jersey, Pennsylvania and South Carolina. Say which state you are in and what you are trying to sort out, and you get a straight yes or no before you spend any time on it.
I do not know what I need. Where do I start?
Start with how the pieces fit together rather than with a product. One page here lays out what a health plan actually covers, the things it reliably leaves you to pay, and the order the rest is usually bought in. Most people read it in a few minutes and come away knowing which conversation they need. How it all fits together →
My renewal letter for 2027 went up a lot. Did the subsidies end?
No — and this is the thing most people have backwards right now. The premium tax credit still exists. What ended was the temporary extra amount added on top of it between 2021 and 2026, so most people who had help still have help, just less of it. Plan prices rose as well, and for households over 400% of the federal poverty level the help now stops completely. Three different causes, three different fixes. Why your premium went up, and what to check before you cancel.
For professionals who send clients to a broker — property and casualty agents, accountants, financial advisors, navigators, attorneys and medical practices — there is a separate page for referral partners on what happens after you hand a client over.
One question is usually enough to know where you stand.
Text it, email it, write it out, or talk it through — whichever you are most comfortable with. You get a straight answer on whether there is anything worth doing, including when the answer is no.