Self-employed & 1099
No employer plan? Marketplace coverage is built for you, and premiums may be far lower than you expect after subsidies.
Under 65 coverage
ACA health insurance that actually fits your budget
Every Affordable Care Act plan covers the 10 essential health benefits and can't turn you away for a pre-existing condition. The hard part is picking the right metal level, network and subsidy — that's my job.
Who I help most
Families & children
Cover the whole household with pediatric, maternity and preventive care included in every plan.
Early retirees (under 65)
Bridge the gap between leaving work and Medicare eligibility without going uninsured.
Between jobs
Losing job coverage opens a Special Enrollment Period — usually 60 days. We move fast.
Enrollment timing
Open Enrollment
November 1 – January 15 in most states. Enroll by December 15 for coverage starting January 1.
Special Enrollment Periods
Marriage, birth or adoption, moving, or losing other coverage typically opens a 60-day window any time of year.
Metal levels
Bronze, Silver, Gold and Platinum trade premium for out-of-pocket cost. Silver plans can unlock extra cost-sharing reductions.
Subsidies
Premium tax credits are based on household size and estimated income — I'll run your numbers before you commit.
Request your appointment
No cost, no obligation. Cheryl personally reviews every request.