Health, Life & Disability Insurance for Individuals Under 65 in Georgia

If you’re not covered through an employer, you still have options—and we’ll help you understand them. From ACA health plans to short-term coverage, life insurance, and dental & vision benefits, we’ll help you compare policies, check for subsidies, and choose a plan that fits your life and budget.

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Affordable Health Insurance Without Employer Coverage

Not everyone gets insurance through work. Whether you’re self-employed, between jobs, working part-time, or just aging off your parents’ plan, we’ll help you find a health plan that works for you.


We can walk you through ACA Marketplace options, including plans available through HealthSherpa, and explain what kind of coverage and savings you qualify for based on your income and location. We’ve helped clients all over Georgia—from Pooler to Perry—understand their choices and get covered.


If you’re not eligible for subsidies or just need temporary protection, we can also show you private plan alternatives like short-term medical or health-sharing ministries.

Health Insurance Options We Offer

We’ll help you compare plans and find the right mix of coverage and cost:

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ACA Marketplace

Plans ⇾

Full-featured health plans with essential benefits and subsidy eligibility (via HealthSherpa)

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Short-Term Medical

Plans ⇾

Budget-friendly temporary coverage for in-between life events (via Pivot Health)


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Health Sharing

Ministries ⇾

Faith-based cost-sharing programs like Medi-Share for those who meet eligibility criteria

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Dental & Vision Plans ⇾

Standalone options if your health plan doesn’t include them (via InsuranceForEveryone.com)

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Emergency coverage when traveling outside the U.S. or your home network (via IMG)

Whether you’re looking for a traditional policy or a flexible alternative, we’ll help you compare your options side by side.

Life & Disability Insurance for Income Protection

Health insurance covers your medical bills, but what if you can’t work due to illness or injury? That’s where life and disability insurance come in. We’ll help you protect your income, your family, and your future with coverage you can count on.


We offer:

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Term Life Insurance ⇾

Affordable coverage for a set number of years (with online quoting via PlanEnroll)

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Whole & Final Expense Life ⇾

Permanent coverage options for long-term needs and end-of-life expenses

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Disability Income Insurance ⇾

Short- or long-term protection that replaces your paycheck if you can’t work

If you're self-employed or supporting a family, these policies are especially important—and we’ll help you figure out what you actually need.

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Why Work With a Local Agent?

Trying to sort through coverage on your own can be overwhelming. We make it easier. We explain everything in plain language, answer your questions, and help you avoid plans that don’t fit your needs. Plus, it doesn’t cost you anything extra to use an agent.



We’re based in Georgia and licensed in multiple states, so we know the local networks, provider options, and plan quirks that national websites don’t always catch. And if something goes wrong later—billing issue, claim confusion—you’ll have someone to call.

We Help You Get Covered—Start to Finish

We’ll help you:

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Check if you qualify for premium subsidies

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Compare health plans, life insurance, and add-ons

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Enroll online or by phone

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Adjust coverage when your life changes (job loss, move, new baby, etc.)

Whether you’re just starting out or rebuilding coverage after a change, we’ll help you find the right policy for today—and revisit it when tomorrow looks different.

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Ready to Get Started?

You can use our online tools to explore plans anytime—or reach out and schedule a free, no-pressure consultation. We’ll help you make a confident decision.

FAQs

  • Do I qualify for a health insurance subsidy?

    Yes. While your landlord’s policy likely covers the building itself, it won’t protect your belongings or liability. Renters insurance ensures you’re covered if your stuff is damaged, stolen, or if someone gets hurt in your unit.

  • Can I get coverage outside of open enrollment?

    That depends on the value of your home, your belongings, and your level of risk. We’ll help you calculate replacement costs and liability needs to ensure you’re fully protected without overpaying.

  • What’s the difference between Marketplace and private health insurance?

    Homeowners insurance is typically required by lenders if you have a mortgage. Renters insurance may be required by your landlord, but even when it’s not, it’s a smart move. We can help you understand the expectations and benefits in your situation.

  • Do I need dental and vision insurance too?

    Absolutely. Bundling your property insurance with auto, umbrella, or even life insurance can simplify your coverage—and often lower your overall cost.

  • How much life insurance do I need?

    That depends on your income, debt, dependents, and goals. We’ll help you decide how much coverage makes sense for your situation.