Serving the Midwest
Health Insurance Broker in the Midwest
I help individuals, families, and self-employed Midwest families compare ACA marketplace and private health insurance plans. Independent, education-first, and free to work with.
Who this is for
- Individuals and families shopping the ACA marketplace
- Self-employed and 1099 workers who need their own coverage
- Anyone who lost employer coverage
- People new to the Midwest comparing carriers and networks
What's covered
ACA marketplace plans
Bronze, Silver, Gold, and Platinum plans from the top carriers.
Subsidy estimates
Premium tax credits and cost-sharing reductions based on your household income.
Private and short-term plans
Off-marketplace and short-term options for specific situations.
Doctor and drug checks
Confirm your providers and prescriptions before you enroll.
How I help
- 1Ask about your household, income, doctors, and prescriptions.
- 2Estimate your ACA subsidy and pull real net premiums from marketplace and private carriers.
- 3Explain the tradeoffs clearly - premium vs deductible vs network - so you pick with confidence.
- 4Handle the enrollment and stay your agent for renewals and questions year-round.
Frequently asked questions
Do I pay more if I use a health insurance broker?
No. Premiums are set by the insurance company and regulated by the state - they're the same whether you enroll direct or through a licensed broker.
Can you help me qualify for ACA subsidies in the Midwest?
Yes. I'll help you estimate your household income for the year, check your subsidy eligibility on Healthcare.gov, and compare plans at your actual net premium.
When can I enroll in a health insurance plan?
Open Enrollment is Nov 1 - Jan 15 each year for coverage starting Jan 1 or Feb 1. Outside of that, you'll need a Special Enrollment Period triggered by a life event like losing coverage, moving, marriage, or having a baby.
I lost my job coverage - what are my options?
You'll likely qualify for a Special Enrollment Period on the ACA marketplace, which is usually much cheaper than COBRA. I compare marketplace, short-term, and COBRA side-by-side so you can make an informed choice.