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Secure Your Future

Personalized health insurance guidance for individuals, families, seniors, and small businesses — ACA Marketplace, Medicare, Long-Term Care, and Travel Insurance.

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Who are you looking for coverage for? Select your situation to see the plans that apply o you.

Individual or Family

Under 65 · Not on Medicare · Looking for personal or family health coverage

  • ACA / Marketplace Plans — subsidies, tax credits, essential benefits
  • Long-Term Care Insurance — protect savings from future care costs
  • Travel Insurance — medical coverage abroad, trip protection
SEE PLAN DETAILS ↓

Senior or Retiree (65+)

Turning 65 or already on Medicare · Enrollment windows are strict — missing them causes permanent penalties

  • Original Medicare — Parts A & B enrollment guidance
  • Medicare Advantage (Part C) — bundles A+B+D, may include dental/vision
  • Medicare Supplement (Medigap) — covers out-ofpocket gaps
  • Part D Prescription Drug — stand-alone drug coverage
  • Long-Term Care Insurance — Medicare does NOT cover nursing home or assisted living
SEE ENROLLMENT TIMELINE ↓

Small Business Owner

2–50 full-time employees · Want to offer health benefits to attract and retain talent

  • Small Group Health Insurance — Bronze, Silver, Gold, Platinum tiers
  • Employer contribution strategy — typically 50%–100% of employee premium
  • ACA compliance support — reporting, filing, ongoing requirements
  • Optional dental & vision — add-on plans for your team
SEE PLAN DETAILS ↓

It's Not Just Coverage — It's the Right Coverage for Your Situation

Health insurance is not one-size-fits-all. The right plan for a 35-year-old family is completely different from the right plan for someone turning 65 — and different again for a small business trying to attract talent.
Our bilingual team walks you through plan comparisons, enrollment deadlines, subsidy eligibility, and compliance requirements. We don’t hand you a brochure — we sit down with you, understand your situation, and guide you to the plan that actually fits.
Whether you’re enrolling for the first time, navigating Medicare’s enrollment windows, or building a benefits package for your team — we’re with you every step of the way.
Because access to quality healthcare is a top priority for our clients, we focus on preparing ahead — helping you enroll in the right plans, understand your options, and stay protected when healthcare needs arise.

Susan Portnoi, CPA/PFS

Sr. Wealth Advisor

Plan Details & Enrollment Guides

Select a plan type to see key details, benefits, and what to expect during enrollment. Each section includes the information you need to make a confident decision.

Also known as Obamacare, the Affordable Care Act, or Healthcare.gov — ACA plans provide comprehensive, government-supported coverage. Open enrollment runs Nov 1 – Jan 15 annually. Special Enrollment Periods apply for qualifying life events.

KEY BENEFITS

  • Cannot be denied for pre-existing conditions Essential Health Benefits: doctor visits, ER, hospitalization, prescriptions, maternity, mental health, preventive care
  • Financial subsidies & tax credits for low-to-moderate income households
  • Preventive screenings and checkups covered at no extra cost

IMPORTANT NOTES

  • Open enrollment: Nov 1 – Jan 15 each year Special Enrollment Period (SEP) for job loss, marriage, new baby, or move
  • Plan rules, copays, deductibles, and subsidy amounts vary by state
  • Higher-income individuals may have limited or no subsidies available

Comprehensive coverage for individuals 65+ or those with qualifying conditions. Enrollment timing is critical — missing your window results in permanent late penalties added to your monthly premium for life.

Enrollment Periods — When You Can Apply
PERIODDATESWHAT YOU CAN DO
Initial Enrollment (IEP)3 months before to 3 months after 65th birthday — 7-month windowFirst-time enrollment in Medicare Parts A & B. Apply early for best coverage start date.
Annual Enrollment (AEP)Oct 15 – Feb 7 (effective Jan 1)Switch plans, review coverage, or update Part D. Check Annual Notice of Change (ANOC).
Open Enrollment (OEP)Jan 1 – Mar 31Make one change if already in Advantage plan or return to Original Medicare.
Special Enrollment (SEP)Triggered by qualifying life eventApplies for job loss, moving, Medicaid changes, or other eligibility events.

Processing time: 2–4 weeks when applying early. May take up to 60 days if additional verification is required.

After Parts A & B Are Approved — Choose Your Next Step

OPTION 1 - Medicare Advantage (Part C)

  • Bundles Parts A + B + D in one plan
  • May include dental, vision, and hearing
  • Offered by private insurers
  • Enrollment: 24–72 hrs after verification

OPTION 2 - Medicare Supplement (Medigap)

  • Covers remaining out-of-pocket costs not paid by Original Medicare
  • Guaranteed approval only in first 6 months of Part B — don't miss this window

OPTION 3 - Stand-Alone Part D

  • Prescription drug coverage only
  • Can be added alongside Original Medicare or Medigap
  • Coverage starts 1st of next month

One of the most overlooked parts of retirement planning. LTCI covers nursing homes, assisted living, and in-home care. Medicare does NOT cover long-term care — only short-term rehab. Average nursing home cost: $100,000+ per year.

KEY POLICY FEATURES

  • Benefit Amount: Daily or monthly payout limit
  • Benefit Period: How long it pays — 3 years, 5 years, or lifetime
  • Elimination Period: Waiting period before benefits begin (30–90 days)
  • Inflation Protection: Increases benefit value over time — critical for long-term policies

POLICY TYPES

  • Traditional LTCI: Lower initial cost. "Use it or lose it" — no payout if care is never needed.
  • Hybrid (Life + LTC): Combines life insurance with LTC benefits. If LTC is never used, beneficiaries receive a death benefit — nothing is lost.
  • Best purchased in your 50s or early 60s when premiums are significantly lower.

The later you buy, the higher the premium — and health conditions can make you uninsurable. Don’t wait until retirement to start planning.
Group health plans for businesses with 2–50 full-time employees (some states up to 100). Offering health benefits helps attract and retain talent — and employer premium contributions are typically tax-deductible.

COST STRUCTURE

  • Employer pays: typically 50%–100% of employee premium
  • Employee pays: remaining premium + deductibles & copays
  • Costs vary by employee ages, location, plan tier, and headcount
  • Houston-area pricing available — we pull local carrier quotes

PLAN TIERS & PROCESS

  • Plan levels: Bronze, Silver, Gold, Platinum
  • Employer selects plan(s) and sets contribution amount
  • Employees enroll individually within employer's chosen plan
  • Optional dental and vision add-ons available
  • We handle ACA compliance, reporting, and annual renewals

U.S. health insurance typically does not cover you overseas. Travel insurance fills that gap — and covers far more than just medical emergencies. Typical cost: 4%–10% of total trip cost (e.g., a $5,000 trip = ~$200–$500 in coverage).

WHAT'S COVERED

  • Medical emergencies & hospital stays abroad
  • Emergency evacuation — can cost $20,000–$100,000+ without coverage
  • Trip cancellation / interruption — reimburses non-refundable expenses
  • Travel delay — meals, hotels, transport after 6–12 hr delays
  • Baggage loss, theft, or delay — covers essentials while waiting

WHAT'S NOT COVERED

  • Pre-existing conditions (unless waiver purchased early)
  • High-risk activities (unless added as rider)
  • Travel against U.S. government advisories
  • Normal pregnancy (complications may be covered)
  • Claims without supporting documentation

Most important for: international trips · cruises or guided tours · traveling with elderly family members · expensive or nonrefundable bookings.

* Coverage options, subsidy amounts, and plan availability vary by state and individual eligibility. All information for illustrative purposes only.

Frequently Asked Questions

Open enrollment runs November 1 – January 15 each year. Outside of that, you may qualify for a Special Enrollment Period if you lose coverage, get married, have a baby, or move to a new state. We help determine if you qualify and handle the full enrollment process.
Original Medicare (Parts A & B) is federal government coverage for hospital and medical services. Medicare Advantage (Part C) is offered by private insurers — it includes everything in Original Medicare plus extras like dental, vision, and prescription drugs. We compare both options side by side for your specific situation.
You may face a permanent late enrollment penalty — 10% added to your Part B premium for every 12 months you were eligible but didn't enroll. This penalty stays for life. The next opportunity is the General Enrollment Period (Jan 1–Mar 31). Contact us immediately if you think you may have missed your window.
For most people, yes — especially because Medicare does not cover nursing home or assisted living care. The average cost exceeds $100,000/year. A policy purchased in your 50s or early 60s costs significantly less and cannot be declined for most health reasons. Waiting until retirement means higher premiums or possible denial.
Costs vary by number of employees, their ages, location, and plan tier (Bronze through Platinum). Employers typically cover 50%–75% of the employee premium, with employees covering the rest. We pull quotes from multiple carriers and present a side-by-side comparison so you can make the most informed decision for your business.

Ready to find the right health insurance plan for you or your family?

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