Insurance Questions? We Have Straight Answers.

ACA subsidies are based on estimated annual household income, not just one busy or slow month. We help you think through seasonal swings, 1099 income, overtime, and slow winters so your estimate is realistic.

Major medical comes first: doctor networks, urgent care, ER, imaging, prescriptions, physical therapy, and out-of-pocket maximums. Then we decide whether accident, disability, dental, or vision layers are worth adding.

Eligible accident policies can pay cash benefits for events like fractures, lacerations, burns, ER visits, ambulance rides, or follow-up care. They work beside health insurance and can help with deductible or lost-time pressure.

Yes. Many self-employed carpenters use ACA marketplace plans, off-exchange plans, or HSA-compatible coverage. We compare your options and discuss the self-employed health insurance deduction with the reminder to confirm tax details with your CPA.

Usually yes if you have eligible W-2 employees. We can compare small-group coverage, ICHRA reimbursement designs, level-funded options, and add-ons like accident, dental, vision, or disability.

Yes, but they are add-ons now — not the main story. We include them only when they help the carpenter, family, or crew package make sense.

Open Enrollment is the annual window for ACA health coverage. You may qualify outside that window if you lose coverage, move, get married or divorced, have a baby, adopt, or age off a parent plan.

Yes. The quote form collects the same required information as before, then a licensed advisor follows up to review plan fit for your trade, household, and budget.