Individual Health Insurance
Health Plans That Fit Your Life
Clear Guidance for Smarter Decisions
Shopping for health insurance on your own can feel overwhelming. At Opportunity Insurance Agency, we help individuals make sense of their options, avoid costly mistakes, and find coverage that works for their needs—not the insurance companies’. Whether you’re self-employed, between jobs, or just looking for affordable coverage, we’ll give you honest, straightforward advice so you can move forward with confidence.
What We Can Help You With
Honest Advice. Smarter Coverage.
We work with clients nationwide to simplify the process of finding individual health insurance:
Marketplace Plans (ACA)
We’ll help you check for subsidies and compare coverage levels to see if a Marketplace plan is the right fit.
Private Health Plans
Explore off-market options that may better suit your needs and preferences.
Short-Term Coverage
Temporary solutions for gaps in coverage during life transitions.
Dental & Vision Add-Ons
Affordable options to round out your health protection.
Special Enrollment Support
Help with qualifying events like turning 26, marriage, or job changes.
Plan Comparisons
Review multiple options side by side to find coverage that meets your needs and budget.
Your Health Insurance Questions, Answered
Straightforward Advice, No Hidden Agendas
Do I have to buy health insurance through the Marketplace?
Not always, and that’s why it helps to have someone walk you through your options. The ACA Marketplace is designed to make health insurance accessible and offers subsidies for those who qualify, but it’s not the only path. Many people find private health plans outside the Marketplace provide different networks, more flexibility, or unique benefits that fit their lifestyle better. We’ll compare both types side by side and give you a clear recommendation based on your needs—not what an insurance company wants you to hear.
Can you tell me if I qualify for savings?
Yes. One of the first things we do is check whether you’re eligible for premium tax credits or cost-sharing reductions through the Marketplace. These subsidies can significantly reduce your monthly payments and even lower out-of-pocket costs for doctor visits, prescriptions, and other care. Many people assume they won’t qualify and end up overpaying when they don’t have to. We’ll help you understand exactly how the numbers work and make sure you don’t leave money on the table.
What if I only need coverage for a few months?
If you’re in between jobs, waiting for new employer coverage to start, or experiencing a major life change, short-term health plans might be the right fit. These temporary policies don’t include every ACA-required benefit but are designed to cover you against large medical bills in case of an emergency. We’ll help you weigh the pros and cons so you can decide if a short-term plan makes sense, or if there’s another option that offers better protection for your situation.
Do you serve clients outside your home state?
Absolutely. Our team works with individuals and families in all 50 states, so no matter where you live, we can guide you through the process from start to finish. Every state has its own health insurance rules and available carriers, but we know how to navigate those differences and help you avoid unnecessary confusion. Whether you prefer phone calls, video meetings, or email, we make it easy to get personalized support no matter where you’re located.
Is there a fee to use your services?
No, there’s no extra cost to work with us. Our agency is paid directly by the insurance carriers when you enroll in a plan, but we’re not tied to any single company. That independence means our recommendations are based on what’s right for you—not on meeting quotas or pushing certain products. When you work with us, you get professional guidance without paying out of pocket, and the peace of mind that your needs always come first.
