Health coverage and Medicare
Find the health coverage that actually fits you.
Whether you are shopping ACA marketplace coverage under 65 or sorting out Medicare at 65, I help you compare the options and pick what works, at no cost to you.
- ACA
- Medicare Advantage
- Medigap
- Part D
- Dental and vision
For under 65
ACA marketplace plans.
Individual and family health insurance for when you do not have a plan through an employer. Every plan covers the 10 essential health benefits, from preventive care and hospitalization to prescriptions, maternity, and mental health.
Often $0 / mo
Premium tax credits are based on your household size and income. Many people qualify for a meaningful monthly reduction, and some land on a $0 premium plan. I run your subsidy math with you before you enroll, so there are no surprises.
- 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. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
This is a solicitation for insurance. JB Financial Service Agency is not connected with or endorsed by the U.S. government or the federal Medicare program.
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 I work with
I do not offer every plan available in your area. The carriers shown are the ones I am appointed with.
The full Medicare guide
Every part broken down, the complete enrollment calendar, and the questions I hear 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
ACA Open Enrollment
Buy or switch an ACA marketplace plan for the coming year.
- 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 risks lifelong penalties.
- 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 I do not offer.
Knowing what falls outside my scope saves you time and points you to the right resource faster.
Short-term medical insurance
These are temporary gap plans and I do not offer them. They typically exclude pre-existing conditions and cover far less than they appear to.
Group health insurance
Employer-sponsored group health runs through your company's HR or a group benefits broker. I 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. I figure out 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 ACA Open Enrollment runs November 1 through January 15 each year.
- 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. I estimate your subsidy with you before you enroll, so there are no surprises.
- 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.
Let's walk through your options.
Free consultation. No obligation. I compare plans across carriers to find your best fit.
Justin Bautista, Licensed Insurance Producer · NJ License #3001996877 · JB Financial Service Agency (DBA pending NJDOBI approval)
We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
This is a solicitation for insurance. JB Financial Service 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.
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