Coverage for Every Stage of Life

Whether you're self-employed, between jobs, or covering your whole family, we'll help you find a plan that fits your health needs and your budget — and we'll handle the paperwork.

Individual & Family

Health coverage that fits your life

Buying your own coverage shouldn't mean guessing. We walk you through your options, check whether you qualify for savings, and make sure you understand exactly what you're getting before you enroll.

Plans We Can Help You With

Subsidy-eligible

Marketplace (ACA) Plans

Comprehensive, ACA-compliant coverage with guaranteed acceptance — no medical underwriting. Many Montanans qualify for premium tax credits that lower the monthly cost.

  • Covers the 10 essential health benefits
  • Pre-existing conditions always covered
  • Premium subsidies based on income
More plan choice

Off-Exchange Plans

Private plans purchased outside the Marketplace. A good fit if you don't qualify for subsidies and want access to additional plan designs or networks.

  • Same ACA protections, more options
  • Flexible network and deductible choices
  • Enroll any time you're eligible
Temporary coverage

Short-Term & Gap Plans

Bridge coverage for a gap between jobs, plans, or eligibility windows. Lower cost, but limited benefits — we'll make sure you understand the trade-offs.

  • Fast coverage between life changes
  • Budget-friendly monthly cost
  • Clear guidance on the limitations
Round it out

Dental, Vision & Supplemental

Add the coverage major medical doesn't include — plus accident and critical-illness plans that pay cash benefits when the unexpected happens.

  • Standalone dental and vision plans
  • Accident and critical-illness coverage
  • Affordable add-ons for the whole family
Lower Your Cost

You may qualify for savings

A large share of Montanans who buy their own coverage are eligible for premium tax credits — and many don't realize it. Savings are based on your household size and estimated income, and they can significantly reduce what you pay each month.

We'll run the numbers with you, check your eligibility, and make sure you're getting every dollar of savings you're entitled to.

Check if you qualify →
$0
Our help costs you nothing
10
Essential benefits covered on ACA plans
SEP
Special enrollment for qualifying life events

Had a Life Change? You Can Likely Enroll Now

Most people can only switch plans during Open Enrollment — but a qualifying life event opens a Special Enrollment Period, usually for 60 days.

Lost Coverage

Left a job or aged off a parent's plan.

Married

Tied the knot and need a combined plan.

New Baby

Welcomed a child through birth or adoption.

Moved

Relocated to a new coverage area.

Lost a Household Plan

Divorce or other change in your household.

Open Enrollment

The yearly window to start or switch plans.

Free help from a real person

You can enroll on your own — but why would you? A licensed local broker costs you nothing and saves you hours of confusion. We're paid by the carriers, so our guidance is always free to you.

Why work with us →

No extra cost

The same plan price, with an expert in your corner.

Plain-language guidance

We translate deductibles, networks, and fine print.

Help after you enroll

Questions on a bill or a claim? Call us, not a hotline.

Let's find the right plan for you and your family.