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Health & Medicare
Individual and family plans, small group employee benefits, and Medicare. Also a life and health line rather than property and casualty.
Start the health & medicare application →- What it covers
- Marketplace individual and family plans, with a check on what subsidy you qualify for
- Small group employee health benefits
- Medicare — Supplement, Advantage, and Part D drug plans
- Dental and vision, which are almost always separate policies
- Supplemental accident, critical illness, and hospital indemnity
- What it doesn't cover
- Out-of-network care, on most plans — network is the thing to check before premium
- Pre-existing conditions on short-term plans, which are not ACA-compliant
- Dental, vision, and hearing under original Medicare
- Long-term care, which is its own product
- Typical limits
- Marketplace plans are priced by ZIP, age, and tobacco use — not by your health history. What you actually pay depends on your projected household income for the year.
- Worth knowing
- Timing controls everything. Marketplace open enrollment runs November 1 to January 15, and outside that window you need a qualifying life event. Medicare annual enrollment is October 15 to December 7. Because marketplace subsidies are calculated on projected income, and we do tax work under the same roof, we can look at the income number and the plan choice together instead of guessing at one and hoping.
Common questions about health & medicare
What does health & medicare cover?
Marketplace individual and family plans, with a check on what subsidy you qualify for. Small group employee health benefits. Medicare — Supplement, Advantage, and Part D drug plans. Dental and vision, which are almost always separate policies. Supplemental accident, critical illness, and hospital indemnity.
What does health & medicare not cover?
Out-of-network care, on most plans — network is the thing to check before premium. Pre-existing conditions on short-term plans, which are not ACA-compliant. Dental, vision, and hearing under original Medicare. Long-term care, which is its own product.
What limits are typical?
Marketplace plans are priced by ZIP, age, and tobacco use — not by your health history. What you actually pay depends on your projected household income for the year.
What should I watch out for?
Timing controls everything. Marketplace open enrollment runs November 1 to January 15, and outside that window you need a qualifying life event. Medicare annual enrollment is October 15 to December 7. Because marketplace subsidies are calculated on projected income, and we do tax work under the same roof, we can look at the income number and the plan choice together instead of guessing at one and hoping.