Health Insurance Plans Under 65 for Individuals and Families
Coverage Options for Under Age 65
Benevolent Insurance Group Services helps people find health insurance plans under 65 through the Affordable Care Act marketplace and other options when needed. ACA insurance in Maryland and New York covers essential benefits, pre-existing conditions, preventive care, and pediatric services. For those between jobs or newly self-employed in Baltimore, Silver Spring, the Bronx, or Queens, our licensed team compares premiums and total costs so selecting coverage feels straightforward. If you want a deeper dive into marketplace choices, read about Affordable Care Act plans to see how subsidies and plan types work.
Affordable Care Act Plans That Fit Real Budgets
Federal and State Marketplaces
Enrollment happens on Healthcare.gov or state exchanges. Maryland uses Maryland Health Connection; New York uses NY State of Health; New Jersey uses GetCoveredNJ; Pennsylvania uses Pennie; Virginia uses Virginia’s Insurance Marketplace. BIGS guides each step so accounts, document uploads, and plan selections are done correctly.
Open Enrollment and Special Enrollment
Open Enrollment typically runs late fall into January. Many qualify for Special Enrollment after life events like a move, marriage, or loss of coverage. We confirm eligibility windows and start dates so coverage begins when you expect it.
Metal Tiers and Savings
Bronze, Silver, Gold, and Platinum tiers balance premiums and out-of-pocket costs. Many households qualify for premium tax credits, and some receive cost-sharing reductions on Silver plans. BIGS estimates subsidies and explains real monthly costs before you choose.
How Bigs Helps You Compare and Enroll
A BIGS health insurance broker in MD and NY confirms your doctors, prescriptions, and preferred hospitals, then compares HMO, EPO, and PPO options. We calculate total annual cost by combining premiums, deductibles, and copays. Self-employed residents in places like Towson, Columbia, Yonkers, and Astoria get help estimating income for accurate tax credits. Families with mixed coverage needs receive guidance when children may qualify for Medicaid or CHIP while parents enroll in marketplace plans. If you want to review dental, vision, or hospital benefits alongside your medical plan, browse dental or vision and hospital indemnity for add-ons that cover everyday care or unexpected stays.
Other Under-65 Products to Consider
Short-term medical can bridge brief gaps but is not ACA-compliant and may exclude conditions. Accident or hospital indemnity plans can offset out-of-pocket costs on high-deductible coverage. BIGS explains trade-offs clearly so you choose with confidence. If you are nearing Medicare eligibility, we coordinate your transition and help you review Medicare plan options for a smooth handoff.
Under-65 Health Insurance Questions Answered
What if I can’t afford an ACA plan
Most households receive subsidies that reduce premiums significantly. If income is very low, Medicaid may be available. We will review options that keep care affordable.
Can I keep my doctor on an ACA plan
Networks vary by carrier. We search plans that include your doctors and hospitals when possible and explain alternatives when they do not participate.
What is the difference between HMO and EPO
HMOs generally require a primary care doctor and referrals, while EPOs often do not require referrals but still use in-network providers. Availability depends on your county.
Do ACA plans include dental or vision
Adult dental and vision usually require separate plans. We can quote those alongside your medical choice.