ACA Marketplace plans, short-term coverage, dental, vision, and faith-based sharing — matched to your family and budget without the sales pitch.
2027 enrollment season
Pick a plan by December 15, 2026 for coverage starting January 1, 2027. Georgia Access currently lists Open Enrollment ending January 15, 2027; later choices start later (GeorgiaAccess.gov). Other states set their own dates.
Comprehensive, ACA-compliant health plans with subsidies for most families. In Georgia, shop Nov 1 – Dec 15, 2026 for Jan 1, 2027 coverage (Open Enrollment currently listed through Jan 15, 2027); life events (job loss, marriage, new baby) can open a Special Enrollment Period any time.
Best for: most under-65 individuals and families who need real major-medical coverage.
Temporary coverage to bridge a gap — between jobs, missing Open Enrollment, or waiting for Medicare to start. Lower premium, faster enrollment, but not ACA-compliant and often excludes pre-existing conditions.
Best for: healthy adults with a defined coverage gap of a few months.
A Christian healthcare sharing ministry where members share each other's eligible medical bills. Not insurance — but a lower-cost alternative for families aligned with the statement of faith.
Best for: faith-aligned families seeking community-based cost sharing.
Standalone dental and vision plans for people whose health plan doesn't include them. I recommend Ameritas — no waiting periods, a large nationwide network, and preventive care that doesn't count against your annual maximum.
Best for: individuals and families wanting predictable dental/vision costs.
Short-term medical coverage for U.S. residents traveling abroad — most domestic plans (and Medicare) don't cover you outside the country. It's day-rated, so you only pay for the days you're gone.
Best for: anyone taking a trip outside the U.S.
One quick call — who needs coverage, your ZIP, doctors and prescriptions that matter, and your household income range.
I run subsidy math, verify your doctors and drugs, and compare Marketplace, short-term, and Medi-Share side-by-side when they're all real options.
I help you enroll cleanly and stay in the loop for renewals, ID cards, and claim questions all year.
For 2027 coverage in Georgia, shop Nov 1 – Dec 15, 2026 for coverage starting Jan 1, 2027. Georgia Access currently lists Open Enrollment ending Jan 15, 2027; choices made after Dec 15 start later. Other states set their own dates. Outside that window, you'll need a qualifying life event (job loss, marriage, new baby, move) to enroll.
Most under-65 families do — subsidies (Advance Premium Tax Credits) are tied to household income. I'll estimate yours before you enroll so there are no April tax surprises.
You almost certainly qualify for a Special Enrollment Period. Compare ACA subsidies against COBRA (usually far cheaper) — and short-term medical if you need coverage in a few days rather than a few weeks.
No — it's a healthcare sharing ministry, not insurance. Members share each other's eligible bills. It's a genuine option for the right family, but it's important to understand the differences before you enroll.
