Coverage
Medicare, without the guesswork.
A full line of senior products, reviewed with you in your own home —
and never a fee for our service.
- Never a fee for our service
- Local & national carriers
- In-home consultation
- Same advisor, year after year
Get in touch
A licensed advisor answers — not a
call center.
Marketplace and off-marketplace plans for Pittsburgh-area individuals and families.
Navigating the individual health insurance market can be frustrating. Let one of our experienced agents assist you. From Pennie to off-marketplace to Affordable Care Act plans, we make sure you have the most cost-effective, personalized plan for your needs.
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.
Because we’re independent, we compare plans across every carrier we represent — not the single company a captive agent is contracted to sell.
Where are you starting from?
Between jobs
You’ve lost employer coverage — or COBRA is too expensive — and you need something in place before the gap gets wider.
Self-employed
You work for yourself and need a real plan, without an HR department to sort it out for you.
Retiring before 65
You’re leaving work early and need coverage to bridge the years until Medicare kicks in.
Your plan options, simplified
Individual plans come from two places, and the difference matters mostly for your wallet. Here’s how they break down.
Through Pennie — Pennsylvania's health insurance marketplace
Marketplace plans with financial help
carriers. Depending on your household income, a premium tax credit can lower your monthly cost — sometimes by a lot.
We enroll you through Pennie
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.
We enroll you through Pennie
Off-marketplace — direct from private carriers
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.
We compare across carriers
Dental & vision
Not included in most individual health plans. Available standalone or bundled.
We compare across carriers
Supplemental coverage
Hospital indemnity, recovery care, and similar policies that pay cash when a deductible would otherwise hit hard.
We compare across carriers
Which option fits depends on your income, your doctors, and your prescriptions. That’s the conversation, not a form.
How it works
Tell us about you
Your household, income, doctors, prescriptions, and how you actually use care.
We compare carriers
Your advisor checks your Pennie eligibility and shops the carriers we represent for your best-fit plans.
Review your options
We walk through each plan in plain English — by phone, at our office, or in your home.
Enroll with support
We handle the application and stay on call after you’re covered, through renewals, claims, and life changes.
What to have ready
None of this is required to call us — but having it handy makes the first conversation much shorter.
-
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
Individual and family plans are a core specialty at HBS. A few of the advisors who handle them:
Jordan Fate
Broker
Christine Olsen
Broker
Joe Masucci
Broker
Chris Farrell
Broker
HBS helped me find an Individual Health plan that saved me over $200 a month. They explained my options clearly and made the process easy, without any sales pressure.
Linda M. — Individual Health client
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
Tell us a bit about what you need — a licensed advisor follows up with real options, not a form letter.
How can HBS help you?
One agency, every policy that matters
Jump to whichever fits your situation — or call and we’ll work it out with
you.
Individual Health
Affordable Care Act and off-
marketplace plans.
Home & Auto
Erie, Progressive, Safeco and
many more.
Group Products
Group rates for companies from 2–
100 employees.
Dental
Dental, vision, and hearing through
Nationwide, Delta Dental, and
more.
Talk to a human
Have a question? We're here to help.
Reach out directly — a licensed advisor answers, not
a call center.
