Health Insurance for Under-65 Individuals & Families
Explore ACA Plans, Short-Term Coverage & Special Enrollment Support
If you're under 65 and not covered through an employer or Medicare, finding health insurance can feel overwhelming. But you don't have to figure it out alone. Whether you're self-employed, an early retiree, between jobs, or supporting your family's needs, The HgO Group provides clear, no-cost help in choosing the right health insurance plan.
We walk you through your Affordable Care Act (ACA) options, explain short-term coverage when needed, and help you navigate special enrollment periods with confidence. Our goal is to help you get covered-without overpaying or getting lost in the details.
Health Insurance That Fits Your Life
Coverage Options for Every Situation
From government-subsidized plans to temporary solutions, we help individuals and families find affordable health insurance options tailored to their needs. If you don't qualify for Medicare yet, here are the most common routes:
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Marketplace Health Insurance (ACA/Obamacare)
Comprehensive plans with essential health benefits, income-based subsidies, and broad availability.
Short-Term Health Insurance
Flexible, lower-cost coverage for gaps between jobs or missed enrollment windows.
Special Enrollment Help
Support for those facing a qualifying life event (like losing job-based coverage, moving, or getting married).
We're here to help you understand your eligibility, compare options, and make the best decision for your situation.
ACA Marketplace Health Plans
Affordable, Comprehensive Coverage with Help from Licensed Agents
ACA plans are available through federal or state marketplaces and offer:
- Coverage for essential benefits (doctor visits, hospital care, maternity, prescriptions, and more)
- Guaranteed acceptance-no denials for pre-existing conditions
- Income-based subsidies to help reduce monthly premiums
Open Enrollment runs from November 1 to January 15 in most states. Outside that window, you'll need a Special Enrollment Period (SEP) to qualify.
We help you determine eligibility, apply for subsidies, and choose the right ACA plan-all at no cost.
Special Enrollment & Qualifying Life Events
Missed Open Enrollment? You May Still Qualify
A Special Enrollment Period lets you enroll in a Marketplace plan outside of the annual window if you experience certain life events, including:
- Losing employer or Medicaid coverage
- Getting married or divorced
- Having or adopting a child
- Moving to a new coverage area
- Changes in household income
We help you navigate SEP eligibility and make sure you don't miss important deadlines.
Short-Term Health Insurance
Flexible, Temporary Coverage When You Need It
Short-term health plans can bridge the gap if you:
- Missed Open Enrollment
- Are between jobs
- Are waiting for other coverage to begin
While these plans typically don't cover pre-existing conditions or certain preventive services, they can provide basic protection in the meantime-often at a lower monthly cost.
We help you weigh whether short-term coverage is the right fit.
Why Work with The HgO Group?
No-Nonsense Guidance from Real People Who Put Clients First
With so many options-and fine print-it's easy to get confused. That's why we do what we do. We're independent health insurance agents who put your needs first. Here's what that means:
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No-Cost Help
You never pay for our guidance.
Unbiased Advice
We represent multiple insurance carriers, not just one.
Simplified Enrollment
We handle the details and walk you through every step.
Year-Round Support
We're here beyond enrollment season to answer your questions.
Find Your Health Plan with Confidence
Let's Make Health Insurance Easier
Not sure where to start? That's exactly why we're here. Whether you want to explore ACA plans, need help qualifying for Special Enrollment, or are considering short-term coverage, The HgO Group is just a call or message away.