Health coverage and Medicare
Health coverage under 65, and Medicare from 65 on.
ACA marketplace plans if you are under 65 without coverage through work; Medicare Advantage, Medigap and Part D from 65 on. Justin compares the plans we can offer against your doctors, prescriptions and budget. There is no fee for the help; the carriers pay us.
- ACA
- Medicare Advantage
- Medigap
- Part D
- Dental and vision
No coverage through work?
ACA marketplace plans, with subsidies that can bring your monthly premium down, sometimes to nothing.
Jump to ACATurning 65, or already on Medicare?
Advantage, Medigap and Part D, compared against your doctors and prescriptions across the carriers we represent.
Jump to MedicareFor under 65
ACA marketplace plans.
Individual and family health insurance for when you do not have a plan through an employer. Every marketplace plan covers the 10 essential health benefits, from preventive care and hospitalization to prescriptions, maternity, and mental health.
Premium
tax credits
Premium tax credits are based on your household size and income. Many people qualify for a monthly reduction, and some qualify for a plan with a $0 premium after the credit. Eligibility and costs vary. Justin runs your subsidy estimate with you before you enroll.
- Who it is for
- Anyone under 65 without coverage from an employer, a spouse's employer, Medicare, or Medicaid. Self-employed people, contractors, early retirees, and anyone between jobs or starting a business.
- Also available
- Standalone dental and vision plans, separate from your medical coverage, for routine checkups, cleanings, and exams when your plan does not include them.
For 65 and over
Medicare, the short version.
Important Medicare disclosure
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 1755 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
This is a solicitation for insurance. JB Financial Services Agency is not connected with or endorsed by the U.S. government or the federal Medicare program.
Showing totals for the 25 states we serve. Choose your state and county for the numbers in your area.
Original Medicare is Part A and Part B. From there you choose a path, and that single decision drives almost everything else.
- Part A
- Hospital. Inpatient hospital stays, skilled nursing, and hospice.
- Part B
- Medical. Doctor visits, outpatient care, and preventive services.
- Part C
- Medicare Advantage. A private all-in-one plan bundling A, B, and usually Part D.
- Part D
- Drugs. Standalone prescription drug coverage with a plan formulary.
- Medigap
- Supplement. Fills the out-of-pocket gaps Original Medicare leaves behind.
Path A
Medicare Advantage
One private plan bundling Part A, Part B, and usually drug coverage, often with dental and vision. Uses a network, premiums can be low, and copays apply.
Path B
Original Medicare plus Medigap
Keep Original Medicare, add a Medigap supplement for predictable costs and any doctor that accepts Medicare, then add a standalone Part D drug plan.
Medicare carriers we represent
We do not offer every plan available in your area. The carriers shown are the ones Justin is appointed with and ready to sell for.
The full Medicare guide
Every part broken down, the complete enrollment calendar, and the questions people ask most.
Mark your calendar
Dates that matter.
Miss an enrollment window and you can face penalties or a gap in coverage. Here are the ones worth putting on the calendar.
Under 65 (ACA)
- Nov 1 - Jan 15, later in some states
ACA Open Enrollment
Buy or switch an ACA marketplace plan for the coming year. HealthCare.gov closes January 15; New Jersey, New York, California and Pennsylvania ran to January 31 for 2026 coverage.
- A life event
Special Enrollment Period
Losing coverage, moving, marriage, or a new baby opens a window.
Medicare
- Around your 65th
Initial Enrollment Period
Your first Medicare sign-up. Missing it can mean a permanent penalty.
- At 65 plus Part B
Medigap Open Enrollment
Six guaranteed-issue months for Medigap, no health questions.
- Oct 15 - Dec 7
Annual Enrollment (AEP)
Switch Medicare Advantage or Part D plans for next year.
- Jan 1 - Mar 31
Advantage Open Enrollment
One change if your Advantage plan is not working out.
The complete Medicare calendar, including the General Enrollment and Special Enrollment Periods, lives on the Medicare guide.
Full transparency
What we do not offer.
Knowing what falls outside our scope saves you a call.
Short-term medical insurance
Temporary gap plans; we do not offer them. They typically exclude pre-existing conditions and are not required to cover the essential health benefits.
Group health insurance
Employer-sponsored group health runs through your company's HR or a group benefits broker. We work with individuals and families directly.
Good questions
Common questions.
- Am I eligible for an ACA marketplace plan?
- Most U.S. citizens and lawfully present residents who are not enrolled in Medicare can buy an ACA marketplace plan. You do not need to be uninsured first, and a high income does not disqualify you. What income affects is the size of the premium tax credit you receive. Justin estimates your subsidy before you enroll.
- Can I get an ACA plan outside of Open Enrollment?
- Only if you qualify for a Special Enrollment Period: losing other coverage, moving, getting married, having a baby, certain income changes, and a few other life events. Otherwise Open Enrollment runs November 1 through January 15 on HealthCare.gov; some state marketplaces, including New Jersey's, run later.
- How much can ACA subsidies save me?
- Premium tax credits are based on your household size and income, so the amount varies. Many people qualify for a meaningful monthly reduction, and some qualify for a $0 premium plan. Justin estimates your subsidy with you before you enroll.
- Should I be looking at ACA or Medicare?
- If you are under 65 and do not have coverage through an employer, ACA marketplace plans are usually your path. Once you turn 65, Medicare takes over. If you are close to 65 or already enrolled, the Medicare guide goes deeper on Advantage, Medigap, and Part D.
Start with a call.
There is no consultation fee; the carriers pay us. Justin compares the plans we can offer against your doctors, prescriptions and budget.
Justin Bautista, Licensed Insurance Producer · NJ License #3001996877 · JB Financial Services Agency
NPN: 20367089
We do not offer every plan available in your area. Currently we represent 4 organizations which offer 1755 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get information on all of your options.
This is a solicitation for insurance. JB Financial Services Agency is not connected with or endorsed by the U.S. government or the federal Medicare program. This page is for informational purposes and does not constitute an offer of insurance. Policies are issued by the carriers shown above; final terms, coverage, and eligibility are determined by the carrier's underwriting.
If someone you know is sorting out insurance, send them this page.
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