Do not go to healthcare.gov alone

​Health Insurance is so complicated and confusing. If done wrong, it WILL mess you up for the rest of the year.
​Please let our team of professionals help guide you to the best option
​for you and your family at NO ADDITIONAL COST to you.

You may qualify to enroll in a plan before next Open Enrollment due to a life change, like:

Losing health coverage  |  Moving  |  Getting married  |  Having a baby

Tax-credits are changing

  • The income cliff is back: If your 2026 income falls over the maximum, you will owe all of your 2026 tax-credit back on taxes
  • Here are the income limits for a tax-credit in 2026

How to prepare for your appointment

  • ​Fill out our 2026 quote form FIRST.
  • Married? As a reminder, you must file a joint tax return with your spouse.
  • Does your employer or your spouse's employer offer group health insurance? If so, what is the cost for the employee only coverage?​​
  • Have you filed your 2024 tax return? Your 2024 taxes MUST have been filed to qualify for a tax credit in 2026.

Insurance options this year

Marketplace (ACA) Plans

  • Pre-existing conditions covered
  • Guaranteed issue (no underwriting required)
  • ​Tax credits available to those who qualify

Health Care Ministry Sharing

  • Substantial cost savings (40%-60%)
  • Alternative to traditional insurance - these are NOT insurance plans

Accident, Critical Illness & Gap Plans

  • Bridge the gap in the high deductible plans

Short Term Plans are BACK

  • Substantial cost savings (40%-60%)
  • Scaled down coverage without all of the ACA requirements (maternity, preventative, etc.)​
  • ​Great for those who are super healthy and not concerned with covering pre-existing conditions

Husband/Wife Group Plans

  • Pre-existing conditions covered
  • Guaranteed issue (no underwriting required)
  • More cost effective than Individual plans
  • Affordable PPO network options available
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GONZALES, LA
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