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Health Insurance

The most important part of planning is to plan to pay for medical expenses. That allows you to continue to provide for your future. Many affordable options are available, you just need to ask what is right for me?



One Size doesn’t always fit all.  You should review your options annually for the best options for the community of Physicians you want to see. 

We are FFM certified and assist clients with Marketplace Elections during the Annual Enrollment Period as well as during Special Enrollment Periods if needs arise during the year. 

Short Term

Health Insurance

These plans can help fill gaps in your coverage during times of transition. They offer temporary health insurance and pre-existing conditions may be excluded.


Savings Accounts

Not to be confused with a Flexible Spending Account, 100% of any funds set aside are yours for life and can be used after you transition to Medicare.

Perfect match with a High Deductible health plan. There may also be some tax advantages. You should discuss the possibility with your tax advisor for details.


When is the Annual Enrollment Period?

2023 Annual Enrollment Period:               November 1st, 2022 through January 15th, 2023.

Special Enrollment Period (SEP) – as defined on the Healthcare.gov website

A time outside the yearly Annual Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child.

Depending on your Special Enrollment Period type, you may have 60 days before or 60 days following the event to enroll in a plan. If you miss your Special Enrollment Period window, you may have to wait until the next Annual Enrollment Period to apply.

You can enroll in Medicaid or the Children’s Health Insurance Program (CHIP) any time of year, if you’re eligible, whether you qualify for a Special Enrollment Period or not.

Are short term health insurance plans available?

Yes, Short Term Health Insurance as well as Health Share Ministry Plans are available.

You will be on Medicare for life and want to get on the right plan when you have a Guarantee Issue period or are healthy enough to qualify for a plan.

Although we have access to multiple companies, our preferred provider is Physicians Mutual Insurance Company of Omaha, NE.  Why you may ask?  Physicians Mutual Insurance Company offers an Issue Age plan that doesn’t increase in price annually due to age.  Most companies sell based on price, this is called Attained Age, and they will go up as you age.  If for some reason your health declines, you will most likely be stuck in an annually increasing rate plan for the rest of your life.

Does medicare cover assisted living?

No, Medicare doesn’t cover Assisted living or Nursing home costs.

What if I’m a veteran?

Veterans that have Tri-Care for Life, already have a plan in place for a Medicare Supplement. However, you should contact us for a free guide that will help you understand your plan.