Free help with health insurance when you work for yourself.
No employer plan? I help freelancers, 1099 contractors, gig workers, startup founders, small business owners and people between jobs in California and Michigan compare individual and family plans, check their doctors and prescriptions, and enroll.
Call or text 248-828-5782 · English · Русский · Українська
Built for uneven income and busy schedules
Savings check based on your income estimate
Marketplace savings depend on your expected household income for next year. You give me your own best estimate of your household’s expected income (for self-employment income, that’s generally your net earnings, not gross receipts). I show you what that may mean, and the Marketplace makes the final decision and may ask for proof.
Fewer surprises at tax time
Premium tax credits are reconciled on your tax return. I explain how that works and remind you to report income changes during the year.
Leaving a job or losing a company plan
Losing job-based coverage usually qualifies you for a special enrollment period, so you can enroll in an ACA plan outside open enrollment, generally within 60 days of losing coverage. Dropping a plan you still have access to doesn’t qualify. The exchange decides eligibility and may ask for proof. I’ll compare Marketplace and off-exchange plans so you can decide what fits.
Your doctors and prescriptions, checked first
Before I recommend a plan, I look up your doctors, hospitals and medications in that plan’s network and drug list. Networks and drug lists can change; the plan’s documents govern.
Done remotely, on your schedule
Phone, text, email or video. No office visit.
Deadlines for January 1 coverage
- California (Covered California): open November 1 to January 31. Enroll by December 31 for coverage starting January 1.
- Michigan (HealthCare.gov): open November 1 to January 15. Enroll by December 15 for coverage starting January 1.
My help is free: insurance companies pay agents a commission, and your premium is the same either way. Dates are set by each exchange and can change. Plan availability depends on where you live and your eligibility. The policy’s own language governs what is covered.