Getting the right health insurance on your own with all kinds of confusion can feel like walking through a maze. Plans, premiums, deductibles, networks, subsidy eligibility — and a timeline that requires decisions in advance before you feel prepared.

Dwight Christie Consulting assists individuals and families to cut through the confusion and seek coverage that genuinely fits into the lifestyle. Not just the cheapest option. The right option.

Who We Help

We work with individuals and families in a variety of situations:

• People who are purchasing coverage via the ACA marketplace and not sure which plan ultimately meets their needs.
• Families who have lost employer-sponsored coverage and must seek an alternative quickly.
• People with coverage but who do not feel assured that it is a good fit for their healthcare use and budget.
• Under 65 retirees straddling employer coverage and Medicare eligibility.
• Adults in the role of a provider with dependents with specific medical needs from which plan selection is done.

What Makes Plan Selection Complicated — and How We Help

The difficulty with individual health insurance isn’t always in finding choices. It’s evaluating them. A low-premium plan may appear appealing until you find out the deductible. A plan with a known network might fetch substantially more a month for access you barely use.

We guide you through plans on the dimensions that matter for your case — premium price, total out-of-pocket maximums, network coverage, prescription drug formularies, qualification for subsidies if you see any — so that you can make a confident, informed pick.

Guarding Against Coverage Gaps

Even good individual plans can expose you financially — with steep deductibles, inadequate dental or vision coverage and gaps that appear in the case of a serious illness or crash. Additional and auxiliary coverage can provide valuable protection without greatly adding to the monthly burden.

We’re going to discuss under what circumstances add-on options are appropriate for what you are in — and which ones simply aren’t worth the premium.

Making Enrollment Manageable

We help you during open enrollment, so you have time to review your options and sign up for the right plan before the date is up. And we can help you determine if a qualifying life event — a move, a job change, a new family member, a change in income — creates a special enrollment window — outside the open enrollment.

It doesn’t have to be nerve-racking. It doesn’t have to take long either, with the proper guidance.

Coverage That Fits Your Life

You shouldn’t have to figure this out alone. Let’s find a plan that makes sense for where you are right now.