I’ll run a provider search for you! Just send me your doctors' names and locations, and I’ll make sure any plan we look at includes them — no surprises, no guesswork..

PPOs give you more freedom — you can see specialists without referrals and go out-of-network if needed. HMOs are more restrictive but usually have lower premiums. I’ll help you decide what fits your life best.

Yes, in many cases! If you qualify for a Special Enrollment Period (like a recent move, job change, or loss of coverage), or if you’re exploring private options, we can find something year-round.