Individual & Family Health Insurance
Health Coverage That Fits Your Life — Not Just Your Employer's Plan
The Motte Agency helps individuals and families explore health insurance options, including ACA Marketplace coverage and other individual health solutions. We'll help you understand what's available so you can make a confident decision.
Not Everyone Gets Coverage Through Work
Employer-sponsored health insurance works well for many people — but it isn't the only path to coverage, and it isn't always available. Whether you're self-employed, between jobs, retiring early, or simply looking for options outside of work, there are more choices than most people realize.
As an independent agency, we're not tied to a single carrier. We can walk you through what's available in your area, explain how different plan types work, and help you compare options based on your doctors, your budget, and your family's needs.
Common Situations We Help With
Does Any of This Sound Familiar?
Losing Employer Coverage
If you're leaving a job, being laid off, or your employer is ending coverage, you have options. Losing employer-sponsored insurance is a qualifying life event that opens a Special Enrollment Period — meaning you don't have to wait for open enrollment to get covered.
Acting quickly matters. Special Enrollment Periods are typically 60 days from the date of the qualifying event.
Self-Employed Individuals
When you work for yourself, finding health coverage is entirely up to you. The ACA Marketplace offers plans for self-employed individuals, and depending on your income, you may qualify for premium tax credits that reduce your monthly cost.
Families Needing Coverage
Finding a plan that works for every member of your family — different ages, different health needs, different doctors — takes some research. We can help you compare family plans and understand how deductibles, copays, and networks apply to each family member.
Approaching Retirement Before 65
Medicare eligibility begins at 65. If you're retiring before then — or your spouse's employer coverage is ending — you'll need to bridge the gap. We can help you explore individual health plans to cover you until Medicare begins.
This is one of the most common situations where people are caught off guard. Planning ahead makes a real difference.
Qualifying Life Events
Marriage, divorce, the birth or adoption of a child, moving to a new coverage area, or losing other coverage are all qualifying life events that allow you to enroll outside of the standard open enrollment window. If something significant has changed in your life, you may have more options than you think.
What We Can Walk You Through
Coverage Options We Can Help You Explore
Every situation is different. Here are some of the coverage types we can walk you through.
ACA Marketplace Plans
Health plans available through the federal or state marketplace. Depending on your household income, you may qualify for premium tax credits or cost-sharing reductions.
Off-Marketplace Individual Plans
Some carriers offer individual health plans outside the ACA Marketplace. These may be worth exploring depending on your situation and eligibility.
Short-Term Coverage
Short-term health plans can provide temporary coverage during a gap period. These plans have important limitations and are not a substitute for comprehensive coverage — we'll make sure you understand what they do and don't cover.
Dental and Vision Add-Ons
Many individual health plans don't include dental or vision coverage. Standalone dental and vision plans can help fill that gap.
Why Work With an Independent Agency?
- We represent multiple carriers — not just one company's plans
- We explain your options in plain language, without pressure
- We help you compare plans based on your doctors, prescriptions, and budget
- There is no cost to you for our guidance — we're compensated by the carriers
- We're available to answer questions after you enroll, not just at sign-up
Not Sure Where to Start? We Can Help.
Tell us a little about your situation and we'll walk you through your options — no obligation, no pressure.
- No cost to you for our guidance
- No obligation
- Independent — multiple carriers