.png)
Health Insurance That Puts You First
From routine care to the unexpected, we help you stay protected and prepared.
Marketplace (ACA)
What Is ACA Health Insurance?
ACA is a way for individuals and families to find affordable, government-regulated health plans. These plans are designed to cover essential benefits like doctor visits, hospital care, prescription drugs, preventive services, and more. Many people qualify for cost savings based on their income.
Who Qualifies for Marketplace Coverage?
​
You may be eligible for a Marketplace (ACA) health plan if you:
-
Are a U.S. citizen or legal resident
-
Don’t have access to affordable coverage through an employer
-
Are not enrolled in Medicare
-
Meet certain income requirements (which may qualify you for subsidies or tax credits)
Start Your ACA Enrollment Today
Private Health Plans
What Are Private Health Insurance Plans?
Private health insurance refers to coverage offered outside of the government-run Marketplace (ACA). These plans are purchased directly from insurance companies or through licensed agents, like Alter Financial Group. Private plans offer more flexibility in benefits, provider networks, and enrollment timelines making them a great option for individuals, families, and small businesses seeking tailored coverage.
Who Should Consider a Private Plan?
Private health insurance may be a great fit if you:
-
Don’t qualify for ACA subsidies and want more competitive pricing
-
Prefer a broader range of plan options and carrier choices
-
Need coverage outside of Open Enrollment (e.g., short-term plans)
-
Are self-employed, a freelancer, or an early retiree
-
Want customized benefits for specific medical needs
Ready to Explore Private Health Insurance?
Medicare
What Is Medicare?
Medicare is a federal health insurance program primarily for people age 65 and older, as well as certain younger individuals with disabilities or qualifying conditions. While it offers valuable coverage, understanding the different parts of Medicare and choosing the right plan can be confusing.
That’s where we come in.
The Four Parts of Medicare Explained
-
Part A (Hospital Insurance): Covers inpatient hospital stays, skilled nursing facilities, hospice care, and some home health care.
-
Part B (Medical Insurance): Covers doctor visits, outpatient care, preventive services, and durable medical equipment.
-
Part C (Medicare Advantage): An all-in-one alternative to Original Medicare offered by private insurers, often with added benefits like dental, vision, and prescription coverage.
-
Part D (Prescription Drug Coverage): Helps pay for prescription medications. Available as a standalone plan or included in many Medicare Advantage plans.
Let’s Make Medicare Simple
Whether you're new to Medicare or reviewing your options for the next enrollment period, we're here to help you every step of the way.