Individual & Family Qualified Health Insurance

Get comprehensive, ACA-compliant coverage for individuals and families, including all 10 essential health benefits and protection from high medical costs—plus income-based subsidies to lower your monthly premiums. Enroll quickly and easily with HealthSherpa, where you can view personalized plans, compare options, and see instant subsidy savings.

Small Business Qualified Health Insurance

If you have fewer than 25 full-time equivalent employees, the government may cover up to 50% of your premium costs for two years—totaling as much as $72,000 per year. To qualify, you must offer coverage through a SHOP-certified plan, contribute at least 50% of premiums, and your average wage must be under $65K. There’s no mandate if you have under 50 employees, but the tax credit phases out above a $65K average wage.

Ancillary health insurance

delivers supplemental coverage that fills gaps left by your primary medical plan—covering services like dental, vision, disability, accident, critical illness, and more. Offered through employers or purchased individually, these voluntary or employer-contributed benefits help manage out-of-pocket costs for everyday care and unexpected events .

Perfect for enhancing core health coverage, ancillary plans boost employee satisfaction, reduce financial stress, and make healthcare more accessible—often at affordable group rates

Get an instant ACA health insurance subsidy estimate in minutes. Just enter your ZIP code, household size, and income!

Why We Ask for Your EIN:
Your Employer Identification Number (EIN) is required by NY State of Health to verify your business status and eligibility for the SHOP small group health plan and tax credit. The EIN is only used for this official eligibility check and is kept strictly confidential.

Small Business Health Insurance – Potential Savings of up to $144,000 | Get a Free Quote!

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✅ What are ACA health insurance plans?

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Frequently asked questions

Q: Can I enroll in a health plan outside of Open Enrollment?

A: Yes. If you qualify for a Special Enrollment Period (SEP) due to a life event (like losing coverage, moving, or getting married), you can enroll mid-year. Also, some private plans are available year-round.

Q: Are you licensed in my state?

A: I’m licensed in Texas, Florida, South Carolina, North Carolina, Michigan, New York, Ohio, Tennessee and more — and I help clients remotely by phone with no office visit needed.

Q: What if I don’t qualify for a subsidy?

A: I can still help you compare private health plans that may offer lower monthly costs, flexible networks, or short-term coverage options.

Q: Can you help me understand my options even if I don’t buy right away?

A: Absolutely — there’s no pressure. I’ll help you understand your choices so you can make the best decision for your situation.

Q: How do I get started?

A: Just click “Schedule a Free Health Plan Review” or give me a call — I’ll take care of the rest from there.

✅ Still have questions? Let's talk today!

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