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Individual Health Insurance

Health coverage without the Marketplace maze.

Marketplace plans, off-exchange options, and a real person to help you compare them. Callie starts with your subsidy eligibility, then checks your doctors, prescriptions, and budget to find coverage that fits your life.

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Who this is for

Your life doesn't fit one box. Your coverage shouldn't either.

If you buy your own health insurance, we'll help you make sense of the options.

  • Self-employed & 1099

    Coverage for freelancers, contractors, and business owners, even when income changes from month to month.

  • Between jobs

    Compare Marketplace options with COBRA when you leave a job or lose employer coverage.

  • Families

    Find a plan with your family's pediatrician, specialists, and prescriptions in mind.

  • Early retirees

    Bridge the years before Medicare, with guidance when it's time to make the transition.

  • Small business owners

    Explore coverage for your team or options for helping employees buy individual plans.

  • Renewal shoppers

    See how your current coverage compares with this year's plans, networks, and prices.

What We Offer

Start with the right kind of coverage. Then compare the details that matter to you.

  • ACA Marketplace Plans

    On-exchange coverage with essential health benefits and access to premium tax credits if you qualify.

  • Off-Exchange ACA Plans

    ACA-compliant plans bought outside the Marketplace. Compare networks and costs when subsidies don't apply.

  • Subsidy & Tax Credit Help

    Understand potential premium tax credits and cost-sharing reductions before choosing a plan.

  • Short-Term Medical

    Temporary coverage where available. Review benefit limits, exclusions, and eligibility before using it to bridge a gap.

  • Dental & Vision

    Standalone options for dental care, eye exams, glasses, and contacts, with benefits and networks explained.

  • HSA-Qualified Plans

    Compare eligible plans and how a Health Savings Account could fit your medical spending and savings goals.

  • Small Group & Employer

    Explore group coverage for a small team and individual-coverage reimbursement arrangements.

  • Supplemental Coverage

    Accident, critical illness, and hospital indemnity options that can help with certain out-of-pocket costs.

Enrollment windows

Know your window. Make your next move with confidence.

When you can enroll depends on the coverage and your circumstances. We'll help you check the timing.

  • The annual window

    Open Enrollment

    The yearly opportunity to enroll in or change an ACA plan. Dates and coverage start times depend on your state and plan year.

    • Compare this year's plans
    • Review subsidy eligibility
    • Confirm your coverage start date

  • When life changes

    Special Enrollment

    A qualifying event may open a limited enrollment window. Eligibility, documentation, and deadlines vary by event.

    • Loss of qualifying coverage
    • Marriage or a new child
    • A qualifying move

  • Between enrollment windows

    Year-Round Options

    Some types of coverage are available outside ACA enrollment periods. We'll explain their benefits and limitations.

    • Dental and vision plans
    • Supplemental protection
    • Short-term plans, where available
Check My Options

How It Works With NavaQuote

  1. Check your subsidy first

    Start with your household, expected income, and potential savings. That helps narrow the plans worth comparing.

  2. Compare the whole picture

    Review on- and off-exchange options, then check premiums, doctors, prescriptions, and out-of-pocket costs.

  3. Have a person in your corner

    Callie helps with enrollment and stays your point of contact for questions, changes, and the next renewal.

Common Questions

  • Does using a broker cost more than enrolling myself?

    Our health insurance guidance is free to you. For the same ACA plan and application details, using a broker does not increase the carrier's premium. We're compensated by carriers, and Callie explains the costs of the options you compare.

  • What's the difference between on-exchange and off-exchange?

    On-exchange plans are sold through the Marketplace and may qualify for premium tax credits. Off-exchange ACA-compliant plans are purchased outside the Marketplace and do not receive those credits. If you don't qualify for a subsidy, comparing both can help you understand your network and cost options.

  • Can I get help paying for Marketplace coverage?

    Eligibility for premium tax credits depends on household income and other factors, including access to qualifying employer coverage. Callie can help review the application; the Marketplace determines eligibility.

  • When can I enroll in a health insurance plan?

    Marketplace plans have annual Open Enrollment. Losing qualifying coverage, moving, or certain household changes may allow a Special Enrollment Period. Callie can help check your eligibility and the deadlines that apply in your state.

  • How do I know whether my doctors and prescriptions are covered?

    Networks and covered-drug lists vary by plan and can change. Share your doctors, prescriptions, and pharmacies so Callie can compare the details before you choose.

  • Should I choose COBRA or an ACA plan?

    COBRA can let you continue your employer plan, usually at the full premium plus an administrative fee. An ACA plan may cost less, especially if you qualify for a subsidy, but its network and benefits can differ. Callie helps compare both, including your enrollment deadlines and the care you already use.

Related Guides

What Health Insurance Clients Say

Find out what you'd actually pay.

Talk through subsidies, plan costs, and your care needs with Callie. Free guidance, with no obligation.

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