Individual Health , without the guesswork.
- Never a fee for our service
- Local & national carriers
- In-home consultation
- Same advisor, year after year
Get in touch
Need help finding the right individual plan?
- Whether you qualify for financial help through Pennie or need a plan directly from a carrier, we can help.
- HBS represents both local and national carriers.
- The advisor who enrolls you is the one who reviews your plan with you at the next open enrollment.
Where are you starting from?
Between jobs
Self-employed
Retiring before 65
Your plan options, simplified
Marketplace plans with financial help
carriers. Depending on your household income, a premium tax credit can lower your monthly cost — sometimes by a lot.
Metal tiers
Bronze, Silver, Gold, and Platinum. Lower premiums mean higher out-of-pocket costs when you use care, and vice versa. We match the tier to how you actually use care.
Off-marketplace ACA plans
The same coverage rules, bought directly from the carrier. Sometimes a plan or network is only offered this way. No financial help applies.
Dental & vision
Not included in most individual health plans. Available standalone or bundled.
Supplemental coverage
Hospital indemnity, recovery care, and similar policies that pay cash when a deductible would otherwise hit hard.
How it works
Tell us about you
We compare carriers
Review your options
Enroll with support
What to have ready
-
Your household
Who needs coverage and their dates of birth. -
Your income estimate
A rough number for the year is enough to check what financial help you qualify for. -
Your doctors
Anyone you want to keep seeing, so we can check networks before you choose.
-
Your prescriptions
Names and dosages — formularies differ more than people expect. -
Your current plan details
If you're covered now, so we can compare like for like. -
Your questions
Write them down. People forget them on the call every time.
Who you'd be working with
Jordan Fate
Christine Olsen
Joe Masucci
Chris Farrell
Common questions
Nothing. There is never a fee for our service — carriers compensate us directly, so your premium is the same whether you enroll through us or on your own.
Pennie is Pennsylvania’s official health insurance marketplace, where Affordable Care Act plans are sold and where financial help is applied. We enroll clients through Pennie every day and handle the application with you.
Open enrollment runs from the fall into the new year. Outside that window, you can enroll after a qualifying life event — losing employer coverage, moving, marriage, a new baby — usually within 60 days of the event. Call us; the windows are shorter than people think.
It depends on household income and size. Many people who buy their own coverage qualify for a premium tax credit that lowers the monthly cost. We run the numbers before we show you plans, so every option you see is priced accurately.
It depends on the plan’s network. Tell us who you see and we check before you enroll — not after.
Get Insurance Quotes
One agency, every policy that matters
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