Health Insurance for Individuals and Families
Tired of overpaying for health insurance or skipping it altogether? You have more options than you think. Callie shops the full market to find coverage that fits your situation and your budget.
Types of Health Coverage
Health Insurance Options for Every Situation
Health insurance outside of an employer isn’t one-size-fits-all. Your options depend on your income, your health needs, your budget, and how long you need coverage. Here’s how each type works and who it’s best for.
What's Covered
ACA Marketplace Plans (On-Exchange)
ACA Marketplace plans are the cornerstone of individual and family health insurance outside of employer coverage. They cover the ten essential health benefits required by law and they’re the only plans that qualify for premium tax credits that can reduce your monthly cost.
All ACA Plans Cover:
- Preventive and wellness services
- Emergency and hospitalization
- Prescription drug coverage
- Mental health and substance use treatment
- Maternity and newborn care
- Pediatric services including dental and vision
ACA Subsidies Are Still Available in 2026
The enhanced tax credits expired January 1, 2026, and premiums increased significantly for many people. But subsidies haven’t disappeared, they’re still available for households earning up to 400% of the federal poverty level (up to $63,840 for a single person, $132,000 for a family of four).
If your premium jumped this year, or you’re not sure where you stand, Callie will run the numbers for you at no cost.
Know Before You Enroll...
- Open Enrollment runs from November 1 – January 15 each year
- Special Enrollment Periods are available for qualifying life events: losing job-based coverage, getting married, having a baby, moving to a new state
- Plans are tiered by metal level: Bronze, Silver, Gold, and Platinum
- Silver plans unlock cost-sharing reductions for qualifying income levels, in many cases the best value on the Marketplace
Who We Help With Health Insurance
Health insurance guidance for every situation: from first enrollment to finding something better than what you have.
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Self-employed and freelancers paying full price for coverage
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Families without employer-sponsored health insurance
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Individuals between jobs who need coverage now
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Early retirees bridging the gap to Medicare at 65
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Anyone who missed Open Enrollment and needs options
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People who enrolled on their own and aren't sure they got the best plan
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Those who want to know if they qualify for a subsidy before they commit
Our Health Insurance Expertise
As a licensed independent health insurance broker, NavaQuote has access to ACA Marketplace plans, off-exchange carrier options, and alternative coverage solutions that most people don’t know how to find on their own. Callie does the shopping, comparison, and consultation so you don’t have to navigate it alone. NavaQuote specializes in:
- ACA Marketplace plan enrollment (on-exchange)
- Multi-poliaOff-exchange ACA-compliant plan placementcy bundling discounts
- Premium tax credit and subsidy qualification analysis
- Catastrophic plan eligibility and enrollment
- Short-term medical plan placement for coverage gaps
- Standalone dental and vision insurance
- Indemnity health plans
- Special Enrollment Period qualifying event guidance
- Annual plan reviews at Open Enrollment
Why Work With Callie
Health insurance outside of an employer is one of the most confusing purchases most people ever make. The options are overwhelming, the terminology is confusing, and the stakes (your health and your finances) are as high as it gets.
Callie will tell you what you actually qualify for, show you what it actually costs, and make sure you’re not leaving subsidy money on the table.
During your health insurance consultation, Callie will:
- Determine whether you qualify for a premium tax credit and how much
- Compare on-exchange and off-exchange options side by side
- Walk you through metal tiers, deductibles, and network differences
- Help you time enrollment correctly around qualifying life events
- Pair your health plan with standalone dental and vision if needed
- Review your coverage at every Open Enrollment to make sure you’re still on the best plan
And like everything at NavaQuote, her services cost you nothing. She’s compensated by the carriers, not by you.
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Experience the difference of working with Georgia’s Best Insurance Agency