Often we will do a gap plan for our Silver Lining clients who are retiring but are not yet 65. Or those transitioning to Medicare, but have a younger spouse that will need coverage. And we will also insure young adults who have just dropped off their parents’ plan, freelancers who work for themselves, and others who work for small businesses that don’t offer health insurance.
Our clients who are healthy have private insurance options. For those who have health issues, the policies under the Affordable Care Act are usually the best option. We are able to shop carriers and find the best options for you under either pathway—private insurance or ACA.
The ACA carriers we write include Ambetter, Kaiser Permanente, Blue Cross Blue Shield and Care Source. The private insurance options include National General, United Healthcare’s Golden Rule, Philadelphia American, and Manhattan Life.
No matter what your situation, there will be something that will fit your budget.