Make sure you have the best health coverage. Don't settle for less.
We guide individuals, families, and the self-employed under age 65 through every option — ACA plans, private insurance, short-term coverage, health sharing, and supplemental plans. One call. Clear answers.
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Larry M. Speir
Licensed Health Insurance Agent
Illinois & Missouri
Coverage Options
There's no single right answer for everyone. We take the time to understand your situation and walk you through what each option actually covers, costs, and requires.
The gold standard for comprehensive coverage. Available on HealthCare.gov (MO) and GetCoveredIllinois.gov — these are the only plans that qualify for federal premium subsidies (PTCs) and cost-sharing reductions (CSRs).
ACA-compliant plans purchased directly from the carrier — same protections, no subsidy paperwork, and sometimes broader PPO networks unavailable on the exchange.
Budget-friendly coverage designed to bridge temporary gaps — between jobs, waiting for Open Enrollment, or aging off a parent's plan. Not ACA-compliant, but can provide meaningful hospital and emergency protection.
Community-based cost-sharing organizations where members share each other's medical bills. Not insurance — but a legitimate, lower-cost alternative for healthy individuals. Both faith-based and secular options available.
Cash-benefit plans that pay you directly when something happens — hospital stays, cancer diagnosis, accidents, critical illness. The smartest way to make a high-deductible plan truly affordable.
Quick Comparison
| Feature | ACA Marketplace | Off-Exchange | Short-Term | Health Share | Supplemental |
|---|---|---|---|---|---|
| Subsidies Available | ✅ Yes | ❌ No | ❌ No | ❌ No | ❌ No |
| Pre-existing Covered | ✅ Yes | ✅ Yes | ❌ No | ⚠️ Waiting Period | ⚠️ Varies |
| ACA-Compliant | ✅ Yes | ✅ Yes | ❌ No | ❌ No | ❌ No |
| Medical Underwriting | ✅ None | ✅ None | ❌ Required | ⚠️ Health Qs | ⚠️ Some |
| Monthly Cost | Low–Med | High | Low | Low–Med | Low |
| Maternity Coverage | ✅ Included | ✅ Included | ❌ Usually No | ❌ Often No | ⚠️ Riders Only |
| Year-Round Enrollment | ⚠️ SEP Only | ⚠️ SEP Only | ✅ Yes | ✅ Yes | ✅ Yes |
| Best For | Most clients | High-income/PPO | Healthy, gap coverage | Faith-aligned | Filling gaps |
Not sure which fits your situation? A 15-minute call can answer that.
Why A Better Way
We're not captive to one carrier. We shop the entire market — ACA plans, private options, health sharing, and supplemental products — and recommend what's right for you.
Our services cost you nothing. Agents are compensated by carriers — your premium is the same whether you work with an agent or go direct. Why not get expert guidance?
We understand the carrier landscape, provider networks, and regulatory nuances specific to Illinois and Missouri — including rural market gaps and metro options.
We don't disappear after enrollment. Income change? New baby? Lost your job? We help you navigate Special Enrollment Periods and keep your coverage optimized.
We build coverage stacks that make sense together — pairing a high-deductible ACA plan with supplemental coverage to give you comprehensive protection at the right price.
Many clients don't know they qualify for $0 or near-zero premiums. We run the numbers before recommending anything, because the right plan starts with the right income analysis.
Partner With Us
If you're a P&C agent, Medicare specialist, CPA, financial advisor, divorce attorney, or HR consultant — your clients need individual health insurance and you need a trusted partner who won't compete with your core business.
Your business-owner clients who insure their $2M building often have zero health coverage. We handle health — you keep the commercial relationship. Full reciprocal referral arrangement.
When your client turns 65 and goes on Medicare, what happens to their 60-year-old spouse? We handle the under-65 family member so no one in the household falls through the cracks.
Self-employed premium deductions, HSA strategy, ICHRA setup, subsidy optimization at tax time — we speak your language and can co-serve your clients on the health side.
Divorce triggers an immediate Special Enrollment Period. The day a decree is filed, your client may lose coverage. We can step in same-day with options.
Early retirees at 55–64 need a bridge to Medicare. We help model coverage costs, minimize MAGI to maximize ACA subsidies, and protect the retirement plan you've built.
We implement ICHRA and QSEHRA solutions for small businesses, and cover employees who don't qualify for group benefits. Let us be your individual market resource.
Ready to build a referral relationship? Let's talk.
Call Larry: 912-414-0981When Life Changes
Special Enrollment Periods let you enroll outside of Open Enrollment when life changes. If any of these apply to you, call us today.
From the Blog
Timely tips, enrollment guidance, and market updates for individuals and families in Illinois and Missouri.
Millions of Illinois and Missouri residents are leaving money on the table because they assume they earn too much for subsidies. Here's how Premium Tax Credits actually work — and how to find out your number.
Read Article →Freelancers, contractors, and business owners have more options — and more decisions — than a standard employee. This guide walks through every path available to you.
Read Article →Losing employer coverage triggers a 60-day Special Enrollment Period. COBRA is rarely your best option. Here's what to compare before you decide.
Read Article →Get Started
No obligation. No pressure. Just a straightforward conversation about your options.
Larry M. Speir
Licensed Health Insurance Agent
Illinois & Missouri
Phone
912-414-0981Location
Columbia, IL 62236
Open Enrollment
November 1 – January 15
Licensed In
Illinois & Missouri