ACA Marketplace Plans
On-exchange plans (Bronze, Silver, Gold, Platinum) with potential premium tax credits and cost-sharing reductions for qualifying households. We calculate your subsidy and shop the marketplace for your best plan.
Health insurance plans tailored to your family's actual needs
We help you navigate the maze of health insurance: ACA marketplace plans, individual and family coverage, short-term gap policies, dental, and vision. Honest plan comparisons, subsidy analysis, and ongoing service.
Coverage options
Individual & Family Plans
Off-exchange individual and family plans from major carriers — sometimes a better fit than marketplace plans, especially for households above subsidy thresholds.
Short-Term Health Insurance
Bridge coverage for gaps between jobs, after losing employer coverage, or while waiting for a new plan to take effect. Lower premiums but more limited benefits than ACA plans.
Catastrophic Plans
High-deductible coverage for clients under 30 (or those with hardship exemptions) who primarily need protection against worst-case medical events. Lower premiums, very high deductibles.
Medicare Supplement & Advantage
For clients 65+, we help compare Medigap plans, Medicare Advantage plans, and Part D prescription drug coverage to optimize your total Medicare cost and coverage profile.
Dental & Vision
Standalone dental and vision plans (or bundled into a marketplace medical plan) that keep preventive care affordable and cover the procedures and services your family actually uses.
Why clients choose Geneva Insurance Group
Network Analysis
A "good" health plan is one where your doctors are in-network and your prescriptions are on the formulary. We pull your providers, prescriptions, and anticipated procedures and screen plans against your actual usage — not just the premium and deductible.
Subsidy Calculation
ACA premium tax credits and cost-sharing reductions can dramatically reduce what you actually pay. We calculate your subsidy eligibility based on projected income and household structure to make sure you don't leave money on the table.
Open Enrollment Help
We walk you through every Open Enrollment period to make sure your plan still fits — and we know the qualifying life events that allow plan changes outside Open Enrollment if your situation changes mid-year.
Total Cost Modeling
Premium is only part of the picture. We model premium + expected out-of-pocket costs (deductible, copays, coinsurance) for each plan based on your actual usage — so you choose the plan with the lowest total annual cost, not just the lowest sticker price.
Frequently asked questions
When can I enroll in health insurance?
For most plans, Open Enrollment runs November 1 through January 15 each year (federal marketplace dates may vary by state). Outside Open Enrollment, you can enroll only if you have a qualifying life event: marriage, divorce, birth or adoption, loss of other coverage, moving to a new ZIP code, or significant household income changes. Short-term health insurance is available year-round.
How much does health insurance cost?
Without subsidies, a typical individual ACA plan costs $400–$700/month, and a family plan costs $1,200–$2,000/month. With ACA premium tax credits, many enrollees pay $0–$300/month. Cost depends on age, location, plan tier, household income, and whether you qualify for subsidies. We calculate your specific subsidy and shop multiple carriers.
What is the difference between Bronze, Silver, Gold, and Platinum plans?
These are ACA "metal levels" reflecting how the plan splits costs. Bronze plans have the lowest premiums and highest out-of-pocket costs (60% actuarial value), Silver is the middle tier (70%, and the only level with cost-sharing reductions), Gold offers richer coverage (80%), and Platinum offers the highest coverage (90%) at the highest premiums. Best choice depends on your expected usage.
Can I keep my doctor with this plan?
Maybe — every plan has its own network. We pull your provider list and screen the plans we're shopping against your specific doctors, hospitals, and specialists to confirm in-network status before you enroll. Prescription formularies work the same way: we screen your medications against each plan's drug list.
What is a deductible in health insurance?
The deductible is the amount you pay out-of-pocket before your insurance starts paying for most covered services. Higher deductibles typically come with lower premiums (and vice versa). After meeting your deductible, you'll typically pay coinsurance (a percentage of the cost) until you hit your annual out-of-pocket maximum, after which the plan pays 100% of covered services.
Related coverage
Life Insurance
The natural pair to health coverage — protects your family's financial future if the health event is catastrophic.
Term Life Insurance
Affordable income-replacement coverage for your family's most financially vulnerable years.
Life & Health Overview
See how life and health coverage work together as a unified protection strategy for your family.