You're self-employed.
No HR department, no group plan, and no one to explain your choices. We can be that person.
Individual & Family Health
If you’re self-employed, between jobs, retired before 65, or just buying coverage on your own, health insurance can feel like a maze with no one to ask. We’re pharmacists and licensed agents in South Carolina and North Carolina, and helping you figure out where you fit is exactly what we do. No cost, no pressure.
Does This Sound Like You?
You may not have an HR department or a group plan to tell you where to start. These are some of the situations we help people sort through.
No HR department, no group plan, and no one to explain your choices. We can be that person.
Your old coverage ended and you need something to bridge the gap without overpaying.
Too young for Medicare and on your own until you get there. Let's cover the in-between years.
Piecing together coverage for a spouse or kids who aren't on a work plan.
Just turned 26 and buying your own health insurance for the first time.
That's the most common one of all, and the easiest to sort out with a quick conversation.
Your Routes
The right route depends on your situation. Think of this as a map, not a sales menu.
For many individuals and families, the Marketplace is the main route. Depending on your income and circumstances, you may qualify for help with the cost. We have a whole page explaining how it works.
Learn about ACA / MarketplaceCoverage you buy directly, outside a job or group. Depending on your situation and the products we represent, this can be another route to consider.
Some people use coverage options to bridge a defined gap, such as between jobs. These options can have important trade-offs and are not right for everyone.
Health coverage is often just one piece of the picture. We can also help you look at additional coverage that may matter to you and your family.
See dental & visionBefore You Choose
Health insurance is about more than the monthly premium. The plan needs to make sense for how you actually use healthcare.
Our job is to help you see the whole picture before you decide.
Are the doctors you want to keep in the plan's network?
Are they covered, and at a cost that makes sense for you?
Look beyond the premium to the deductible and the most you could pay in a year.
A plan for someone who rarely goes to the doctor can look very different from one for a family with regular visits.
Why Work With Us
When there is no HR department or group plan to guide you, having a local person who can explain the options can make the process much easier.
No HR, no group plan? We're the person you get to call with the questions. There are no dumb questions.
Our pharmacy background gives us additional perspective when medications are part of the decision.
Licensed in South Carolina and North Carolina, with local knowledge rather than a national call center.
You don't pay us. Insurance carriers compensate the agency for our assistance.
Common questions
Usually with the Marketplace, since many self-employed people may find it useful, but not every situation is the same. A quick conversation can help sort out which route fits your income and circumstances.
You may have a special enrollment opportunity because you lost coverage, along with other coverage options that may help bridge the gap. Each option has trade-offs, so we'll walk through what makes sense for your situation.
This is a common situation, and there are options for people who need coverage during the years before Medicare. We'll help you look at the available routes for your circumstances.
No. You don't pay us an additional fee for our assistance. Insurance carriers compensate the agency.
You don’t have to sort this out alone or guess your way through it. Book a free review and we’ll look at your situation, explain your real options in plain English, and help you choose with confidence.
Or call us on (803) 415-7794