Health Insurance — Plans for Every Family and Every Status
Whether you just lost employer coverage, your COBRA is ending, you're between jobs, or you've never had a health plan before, we'll match you with coverage you actually qualify for — including ACA marketplace, private PPO/HMO, short-term, and plans available for families without an SSN. One bilingual advisor, multiple carriers, no pressure.
Coverages we place
- ACA marketplace plans with subsidies (most families qualify for cost reductions)
- Private PPO and HMO plans outside the marketplace
- Short-term medical plans (1–12 months) for transition periods
- Plans available without a Social Security Number (ITIN holders, mixed-status households)
- Dental, vision, and accident supplements
- Small-group plans for businesses with 2–50 employees
Who needs this coverage
Anyone without employer-sponsored coverage. We help individuals, families, self-employed professionals, gig workers, early retirees, and small business owners. Immigration status does not disqualify you from health coverage — there are private and short-term options available for ITIN holders, DACA recipients, work-visa holders, and undocumented family members.
What drives your premium
- Age and tobacco use
- ZIP code (state and county set base rates)
- Household income (drives ACA subsidy eligibility — many families pay $0–$50/month)
- Plan tier (Bronze / Silver / Gold / Platinum) and deductible
- Number of family members enrolled
Common exclusions
- Cosmetic procedures (most plans)
- Long-term custodial care
- Out-of-network care on HMO plans
- Pre-existing condition limitations on short-term plans only (ACA plans cover pre-existing conditions)
Frequently asked questions
Can I get health insurance without a Social Security Number?
Yes. We work with families across all immigration statuses. ITIN holders, DACA recipients, and work-visa holders can purchase private health plans, short-term medical, and dental/vision coverage. In many states, lawfully present immigrants also qualify for ACA marketplace plans and subsidies. Tell us your situation and we'll show you exactly what you qualify for — no judgment, no shared information.
When can I enroll in an ACA marketplace plan?
Open Enrollment runs November 1 to January 15 in most states. Outside of that window you need a Special Enrollment Period (SEP), triggered by life events like losing job-based coverage, getting married, having a baby, moving, or a change in income. We help confirm SEP eligibility on the call.
I just lost my job — what are my options?
You usually have 60 days from your loss-of-coverage date to enroll in an ACA plan with a Special Enrollment Period — and ACA is almost always cheaper than COBRA, especially with subsidies. We can also quote a short-term plan to bridge the gap if you start a new job soon.
How much will I pay each month?
It depends on age, ZIP, household size, and income. With ACA subsidies, the majority of families enrolling through us pay between $0 and $150/month for a Silver plan. Without subsidies, individual plans typically run $300–$700/month. We'll give you exact pricing on the call.
Will my doctor be in-network?
Tell us the doctors and hospitals you want to keep, and we'll filter plans to only show options where they're in-network. This is the #1 reason people regret picking a plan on their own.
Is my information shared with anyone?
Your data is used only to prepare your quote. We don't share immigration status with any government agency. We're a licensed insurance agency — not affiliated with USCIS, ICE, or any enforcement entity.
Related coverage
Get a free quote or call (321) 206-8035.