When you're buying your own coverage instead of getting it through a job, the choices can feel overwhelming. You want to protect your family, keep the doctors you trust, and not overpay for benefits you'll never use. I help you find the balance.
Every family uses healthcare differently. I start by understanding yours — your budget, your doctors, your must-haves — then compare private under-65 plans that actually fit, instead of forcing you into a one-size-fits-all box.
A plan that's perfect for one family can be wrong for the next. The right fit depends on who you see, how often, and what you can comfortably budget — so that's where I start, not with a generic quote.
You get one licensed advisor who lays out your real options in plain English, helps you weigh the trade-offs, and handles enrollment. No call centers, no fee to work with me, and someone to call when life changes.
Household changing? See coverage for a new baby →, after a divorce →, or when a child is turning 26 →
Many private plans offer PPO-style networks, so you can often keep the pediatrician and specialists your family already trusts.
I start with your budget, your doctors, and your must-haves — then match plans to that, not the other way around.
No overpaying for benefits you'll never use. I help you find the balance between solid protection and a premium that works.
A real person who knows your family's situation — before you enroll, and whenever life changes after.
When you're not getting coverage through a job, you buy it directly — and the trick is matching the plan to your family's doctors and budget, not just the lowest sticker price. I compare your real options across carriers and explain the trade-offs in plain English.
Work with an independent broker who can shop multiple carriers at once instead of pitching one company's plans. That's what I do — one licensed advisor, start to finish, at no cost to you.
You can often keep your family's current doctors. Many private plans use PPO-style networks, so I'll check that your kids' pediatrician and your family's doctors are in-network before you commit to anything.
ACA-compliant plans — the marketplace-standard plans required to cover pre-existing conditions — also include children's benefits and preventive care. If we're comparing other plan types, I'll make the coverage differences crystal clear so there are no surprises later.
There's no fee to work with me. My help is free — I'm paid by the carrier when you enroll, and that doesn't change your premium.
Whether standalone dental insurance is worth it really depends on how your family uses dental care. Standalone dental plans come with their own premium and a yearly cap on what they'll pay, so I like to picture the year ahead first: the cleanings, x-rays, and any likely work, weighed against what the plan costs and actually pays out. For a family with regular checkups and a kid or two, a plan often pays for itself; if you rarely go, paying out of pocket can work out cheaper. Happy to run the numbers with you before you decide.
Dental coverage is sold separately from medical, so you can buy a standalone dental plan whether or not you have health insurance — they're independent products. Whether it's worth it comes down to the same value math: expected use versus premium plus the annual maximum, not whether you carry a medical plan.
Vision and dental are sold separately from medical, so you can add either — or both — on their own, with or without a health plan. A vision plan is an affordable add-on toward routine eye exams, lenses, and frames; dental works the same way, with its own value math. If you just want to round out your coverage, it's a quick conversation.
Children can be enrolled on their own plan separately from the parents, and depending on your household income they may also qualify for a lower-cost program. Whether a child-only plan or covering everyone together makes more sense usually comes down to cost and the doctors you want to keep. I'll compare the setups so you're not overpaying.
Buying your own coverage as a freelancer, contractor, or solo business owner.
Explore self-employed →COBRA ending, between jobs, or losing a plan? Move fast and avoid a gap.
See gap options →Covering yourself as the owner or a small team without enterprise cost.
Explore group coverage →When you can enroll or switch your family's plan — and how to be ready before the window opens.
See enrollment timing →Get a ballpark on what family coverage could run before we talk real numbers.
Estimate your cost →Tell me about your household and I'll match plans to your budget, your doctors, and your must-haves.