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Individual & Family Health Insurance
Buying health insurance on your own?
We'll make sense of it with you.
On or off the Marketplace, HMO or PPO, Bronze or Gold. We compare your options side by side, check whether you qualify for savings, and help you choose a plan that fits your doctors and your budget.
We help people who are
Does this sound like you?
Self-employed or a small business owner
Coverage without an employer plan
Between jobs or losing coverage
A special enrollment window may apply
Turning 26 or retiring before 65
Bridging the gap to your next plan
Sound Familiar?
Shopping for a plan
shouldn't feel like a test.
Most people pick a plan based on the monthly premium alone, then find out what it really costs when they need care.
The problem
HMO, PPO, EPO, deductibles, coinsurance. It all blurs together.
How we fix it
Plain-language explanations and a side-by-side comparison of the plans that actually fit you.
The problem
You're not sure if you qualify for help paying premiums.
How we fix it
We check your eligibility for premium tax credits and cost-sharing savings before you choose.
The problem
You found an affordable plan, but your doctor isn't in it.
How we fix it
We confirm your doctors, hospitals and prescriptions are covered before you enroll.
The problem
You have a claim or billing question and no one to call.
How we fix it
You get a real person at MAR all year, not just during open enrollment.
On or Off the Marketplace
Two ways to buy.
We compare both for you.
On the Marketplace
Through HealthCare.gov
The federal Marketplace is the only place to get help paying your premiums, based on your household income.
- Premium tax credits that lower your monthly cost
- Cost-sharing reductions on Silver plans for eligible incomes
- Every plan meets ACA coverage standards
Often best if your income qualifies you for savings.
See if you qualify for savings →
Off the Marketplace
Directly with the carrier
The same kinds of ACA-compliant plans, bought straight from the insurance company, sometimes with different plan or network choices.
- Plan and network options that may not be on HealthCare.gov
- The same protections, including pre-existing conditions
- No premium tax credits available
Often best if your income is above the savings range, or you want a specific network.
Using MAR costs you nothing extra. The premium is the same whether you enroll on your own or with us.
Plan Types Explained
HMO, PPO, EPO?
Here's what the letters mean.
The plan type decides which doctors you can see and how you get to specialists. Here’s how they compare.
Health Maintenance Organization
You choose a primary care doctor who coordinates your care and refers you to specialists, all within the plan’s network.
Premiums
Usually lower
Referrals
Required
Out of network
Emergencies only
Good fit if
You want lower costs and don't mind a set network.
Preferred Provider Organization
See any doctor or specialist without a referral. Staying in network costs less, but out-of-network care is still covered.
Premiums
Usually higher
Referrals
Not needed
Out of network
Covered, costs more
Good fit if
You want the most freedom to choose doctors.
Exclusive Provider Organization
No referrals needed to see specialists, but you must stay within the plan’s network except for emergencies.
Premiums
Moderate
Referrals
Not needed
Out of network
Emergencies only
Good fit if
Your doctors are in network and you want to skip referrals.
Point of Service
A mix of HMO and PPO. You have a primary care doctor and referrals, with some coverage outside the network.
Premiums
Moderate
Referrals
Usually required
Out of network
Covered, costs more
Good fit if
You want a coordinator but some flexibility too.
High-Deductible Plan with HSA
A lower premium and a higher deductible, paired with a Health Savings Account you fund with pre-tax dollars.
Premiums
Usually lowest
Tax savings
Yes, with HSA
Deductible
Higher
Good fit if
You're healthy and want to save for future costs tax-free.
Still not sure?
We'll match the plan type to you.
Tell us your doctors, prescriptions and budget, and we’ll narrow it down in one conversation.
Still not sure which plan fits? Answer three quick questions and get a straight answer.
Metal Levels
Bronze to Platinum,
in plain English.
Metal levels show how you and the plan split the cost of care. A lower premium usually means you pay more when you use care, and a higher premium means you pay less.
Averages across a typical population, not your personal costs. Silver plans are the only ones with extra cost-sharing savings for eligible incomes. Platinum plans aren’t offered everywhere.
Included in Every ACA Plan
The basics are covered,
no matter which plan you choose.
Preventive care at no cost
Pre-existing conditions covered
Prescription drugs
Maternity and newborn care
Mental health services
Emergency and hospital care
How It Works
No quote engine.
A real person who knows the plans.
01
Tell us about you
Your household, income, doctors and prescriptions. A quick call or virtual appointment.
02
We compare your options
On and off the Marketplace, with any savings you qualify for, side by side.
03
Enroll with confidence
We help you enroll and stay with you all year for questions, claims and renewals.
Open Enrollment
Nov 1 – Jan 15
The yearly window to enroll or switch plans.
For January 1 coverage
Enroll by Dec 15
Later sign-ups start February 1.
Special Enrollment
Within 60 days
Of losing coverage, moving, marriage or a new baby.
FAQs
Health insurance questions,
answered.
Does it cost more to use a broker?
No. Premiums are the same whether you enroll on your own or through MAR. Our help comes at no extra cost to you.
How do I know if I qualify for savings?
Premium tax credits are based on your household size and expected income for the year. We’ll estimate your savings and show you plans with and without them.
Can I buy a plan outside Open Enrollment?
Yes, if you have a qualifying life event like losing other coverage, moving, getting married or having a baby. You generally have 60 days from the event to enroll.
Can I keep my doctor?
Often, yes. Before you enroll, we check that your doctors, hospitals and prescriptions are in the plan’s network.
Keep Exploring
More ways to protect
you and your family.
Life Insurance
Term and permanent life coverage sized to your family’s needs.
Supplemental Health Insurance
Accident, critical illness, hospital, and more coverage to fill in the gaps in your major medical coverage.
Dental & Vision Plans
Free Plan Comparison
Let's find a plan
that fits your life.
Tell us a little about you, and we’ll compare your options on and off the Marketplace, at no cost and with no obligation.
Prefer to call?
Virtual appointments available
Meet with us by video, whenever it fits your schedule.