On exchange plans will provide more coverage to people and understanding how to leverage tax components is a smart way to make your plans more affordable. Although anyone can facilitate their own application online, we don't recommended it, there is no cost to to obtain a expert in the field of life and health insurance, this will help ensure your best chance of getting comprehensive coverage at the best rates.



You will need a qualifying life event in order to trigger a Special Enrollment Period. Please keep in mind you have 30 days to apply for coverage from the date the life event occurred.

  • Losing existing health coverage, including job-based, individual, and student plans
  • Losing eligibility for Medicare, Medicaid, or CHIP
  • Turning 26 and losing coverage through a parent’s plan
  • Getting married or divorced
  • Having a baby or adopting a child
  • Death in the family
  • Changes in residence
  • Moving to a different ZIP code or county
  • A student moving to or from the place they attend school
  • A seasonal worker moving to or from the place they both live and work
  • Moving to or from a shelter or other transitional housing
  • Changes in your income that affect the coverage you qualify for
  • Gaining membership in a federally recognized tribe or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
  • Becoming a U.S. citizen
  • Leaving incarceration (jail or prison)
  • AmeriCorps members starting or ending their service

When we help you purchase your health insurance through the Federal Health Insurance Marketplace, you may be eligible for a tax credit which is discounted from your monthly premium. Families earning up to $94,000 per household can qualify. This equals about 400% of the poverty level. Understand that there is more than what the calculator will do to control healthcare premium cost. Consult with a licensed professional to get the most out of your ACA plan, click the link for an estimate of how you may qualify, use this Subsidy Calculator to see if you qualify.

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A HSA combines a high deductible/lower premium health insurance plan (PPO) with a savings account. Both employer and employee can contribute, tax-free to the savings account, which can help fund the deductible and other qualified medical expenses. Once the deductible is met, the insurance starts paying. Watch video to learn more.

learn morePlay VideoLEARN MORE

Medical reimbursement plan options includes a variety of affordable health coverage options for 2 man employer groups up to 50 full time equivalent employees. It depends on how your company is structured and how many employees you currently have, the video below will help you to determine what plan option best suits your situation and how you can begin lowering cost with greater tax advantages and benefit options. Watch video to learn more.

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Unlike a traditional major medical plan that reimburses you or pays directly to a provider for approved hospital stays and medical care, a Hospital Indemnity Plan pays a lump-sum payment directly to the insured. The cash payment helps with out-of-pocket expenses and covers you when you are off work due to a hospital stay. The coverage is usually a set amount per day, per week, per month, or per visit depending on the benefit level selected. This maybe a great option for individuals seeking coverage outside of the annual enrollment period of the Health Insurance Exchanges. Watch the video below to learn.

ENROLLPlay Video

Minimal Essential Coverage is a provision passed into law under the Affordable Care Act (ACA) mandates that 10 essential health benefits must be provide in health plans, to avoid paying the individual mandate for not having coverage in some states. These are off exchange plans that provide consumer protection just like on exchange plans without the high cost associated with on exchange plans. Play the video and the learn more to understand how these plans work.

ENROLLPlay Video

You never know what you need until you need it, supplemental plans provide an overlay of protection for life's unexpected events from critical illness to disability, we offer plans that provide a lifestyle proctor giving you additional peace of mind that can be an a saftey net for you and your family.


Our self enrollment portal, provides a unique user experience for our vistors. You can shop online for Major Medical Health Plans, Prescription Drug Coverage, Dental, Vision and much more, from the convenience of your home or office. Very few agency websites provide this level of insurance products to choose from, also what is nice about our portal is that vistors, can check to see if they are eligible for tax credits using your subsidy calculator and apply on-line, no personal information is required to compare plans and prices on exchange, if you do not qualify, we have affordable off exchange plans that meet the minimal essential coverage. Click the learn more or play video for more information.

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Toll Free: 1 844 533-7432
Local Office: 1 (810) 471-4796

801 S Saginaw St
Flint, MI. 48502