Marketplace Open Enrollment is typically in the fall. Medicare Open Enrollment runs from October 15 to December 7 each year. Special enrollment may apply for life changes (job loss, moving, etc.).

Marketplace plans are for individuals and families under 65 who need coverage. Medicare is for those 65 and older, or younger with certain disabilities.

Each plan has a formulary (list of covered drugs). I help review your prescriptions to make sure you’re in the best plan for your needs.

It depends on your goals—covering debts, income replacement, or final expenses. I’ll help you calculate the right amount.

Yes, options are available. Final Expense and Guaranteed Issue policies may provide coverage regardless of health history.

Term Life covers you for a set period (10, 20, 30 years). Whole Life is permanent coverage that lasts a lifetime with a cash value feature.