Health Benefits Checkup
Half an hour to check your medical, dental, vision and supplemental plans against what your household actually claims — and to catch the gaps before the enrollment window shuts.
No-cost consultation30 minutes
Send the plans you are on now. If you are not sure what you have, the summary of benefits from your enrolment packet is enough.
Thirty minutes, held against what your household actually used last year rather than what the brochure covers.
A short written comparison and a clear recommendation, in time to act on it during your enrolment window.
Three fixed dates and one that depends entirely on your life. Dates below apply on HealthCare.gov; state-run marketplaces set their own, and the Marketplace can change them.
Open Enrollment begins for the 2027 plan year. Everything you are able to change, you change from here: plan, carrier, household details.
Enroll by this date and coverage generally begins January 1. Miss it and you have not lost the season — but you have likely lost January.
Enroll between December 16 and January 15 and coverage generally begins February 1. After January 15, enrollment is closed for the year unless a qualifying life event opens it.
Marriage, a new baby, a permanent move, losing other coverage, aging off a parent's plan. Each may open a limited enrollment period of its own. The date it happened is what the clock runs from.
Any of these may qualify you for a Special Enrollment Period outside the annual season. The clock runs from the date it happened, so tell us early rather than once you are sure.
Adding a child to the household is one of the events that may open a window
A change in marital status may reopen enrollment for the new household
Moving somewhere that changes which plans are available to you
A job change, reduced hours, or a plan that ends — losing coverage, not dropping it
Turning 26 typically ends coverage under a parent's policy
Gaining or losing a dependent can change what you are eligible to enroll in
An employer, a spouse's plan, a parent's plan, a plan that just ended, or nothing at all
Open Enrollment, or a life event that may qualify you for a Special Enrollment Period
What gets asked, what documents tend to be requested, and what counts as income on the form
Named before you compare, so you are not sorting through options you cannot buy
We name the gaps plainly. Any product conversation waits until we know a gap applies to you
Renewal is not automatically the right answer. We look at it again when the season reopens
An appointment is a real, verifiable relationship with a carrier — not a directory listing. These are the ones we can actually place you with.
No-cost consultation
Carrier-paid if you implement · Numbers in writing, every time.