Individual & family health insurance
Life changes.
Let’s find your next step.
Health coverage can feel complicated. Start with your situation, understand your options, and get help when you need it.
No-cost consultation. Insurance premiums and plan costs are separate.
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Start with your situation
What is changing for you?
You do not need to know insurance terminology to find a useful starting point.
I work for myself
Coverage for entrepreneurs, freelancers, and independent contractors.
See my next steps →02I am between jobs
Understand coverage after a job change or loss of employer insurance.
See my next steps →03I lost Medicaid coverage
Use your notice to understand the next coverage steps.
See my next steps →04I am retiring before 65
Plan the bridge to Medicare, including coverage for a younger spouse.
See my next steps →05I am leaving a parent’s plan
A straightforward guide to getting your own health insurance.
See my next steps →More than a monthly premium.
We start with your household, doctors, prescriptions, and budget. Then look at the coverage details and possible savings that apply to your situation.
A younger spouse may need Marketplace coverage while the other spouse moves to Medicare. Each person can have a different next step.
Coverage before Medicare →What to have ready
- Your state and ZIP code.
- Who needs insurance and current coverage end dates.
- Expected household income for the coverage year.
- Any employer coverage offers or Medicaid notices.
- Your doctors, prescriptions, and pharmacies.
A few clear answers
Can I enroll right now?
There are regular enrollment periods and Special Enrollment Periods for qualifying circumstances. Tell us about any coverage loss and its date so the applicable deadline and coverage start date can be checked.
Will I qualify for savings?
Savings depend on household income and other eligibility factors. An application determines what applies; a low advertised premium is not a promise of your price.
What if my situation is not listed?
These are common starting points, not a complete list. Call about family changes, a move, an employer offer, or any other coverage question.
What if I have Medicare before 65?
Medicare eligibility can begin before 65. Tell us about your existing coverage so we can help identify the appropriate information.
Local help in Southern Utah
Prefer to meet in St. George?
Visit our staffed office for Individual & Family coverage questions, including self-employment, job changes and losing Medicaid.
Individual & Family help in St. George →