Services

Coverage guidance for people who don't get insurance through an employer, and for those approaching or already on Medicare.

Individual and family health insurance

Marketplace and off-marketplace plans for people without access to employer coverage. This includes checking whether you qualify for a premium subsidy, which frequently changes which plan is the better value.

Self-employed and small business owners

If you work for yourself, health insurance is one of the larger line items you control. The work here is finding the balance between monthly premium and what you'd actually pay in a bad year.

Medicare

Guidance for people turning 65 or leaving employer coverage later — how the parts fit together, and the differences between Medicare Advantage and Medicare Supplement that matter most in practice.

Life insurance

Term and permanent coverage, generally as part of a wider conversation rather than on its own.

Annual reviews

Plans change every year, and so do subsidies. A yearly review during open enrollment catches the cases where staying put has quietly become the expensive option.