Individual & Family Health Insurance

For the last 8 years, we have helped over 30,000 people like you find the health insurance that is right for you and your family.

We strive to make finding and buying insurance in the individual market as easy as possible by removing obstacles and focusing on what’s important to you. We want to help you find the coverage you need at a price that fits your budget.

We work for you—not your employer, insurance company, or the government.

We’ll help you sort through all the options, so you can find exactly what’s right for you. You’re in control – we’ll just be here to provide guidance and support.

Case Study

Here is a typical example of savings we deliver to clients.

This 60-year-old couple with an income of $70,000 would have had to pay $1,859 per month (or $22,307 over the course of 2022) for a non-subsidized silver plan.

With the premium subsidy, this couple currently pays $496 per month (or $5,950 over the course of the year) for an annual savings of $16,357.

One Stop Shopping

Whether you are looking for health insurance for yourself, your family, or your business we have a wide range of options.  Let our licensed experts help you find the health insurance that is just right for you

Benefit Comparisons And Advice

We give you 100% unbiased comparisons of benefits and plan costs from all major health insurance companies. No more guessing or uncertainty. 

Lifetime Support

Our support continues even after you sign up. Speak with our licensed health insurance experts to understand your plan benefits, premiums, and more.

Premium Services Included For All Clients

  • Unlimited telephone and live chat video with a board-certified doctor in minutes. $0 Co-pays $0 Deductibles. Always open 24/7/365.
  • Experts negotiate your medical bills to make sure you save the most.
  • Personal Benefits Advisor helps with Medicare, Medicaid, Obamacare, income protection, life insurance, or financial assistance.
  • WellCard Savings Save up to 65% at pharmacies, vision care providers, hearing specialists, prepaid lab tests, prepaid imaging tests, patient advocacy services, and more.
You may be thinking…


Why Use Healthy Halo?


How much will individual health insurance cost me?

The cost of individual health insurance will depend on many factors, including:

-Your age

– Your family situation

-Where you live

-What type of coverage you want

Enhanced premium subsidies will reduce your costs substantially.  We help you get every penny in subsidies that you qualify for!

What is the Affordable Care Act (ACA) subsidy?

The Affordable Care Act (ACA) subsidies are tax credits that allow you to pay less for marketplace health insurance.

The cost of health insurance is reduced based on your family size and household income. Subsidies can be applied throughout the year to lower your monthly bill, or the lump sum can be taken as a deduction when you file income taxes. These subsidies come in the form of tax credits that are determined by the size of your family and your income. If you qualify for a subsidy, you can choose to have it applied to your monthly premiums, or you can receive it as a lump sum when you file your taxes.

Subsidies don’t apply to Medicaid, the Children’s Health Insurance Program (CHIP) or employer group insurance.

Getting the maximum subsidy can be challenging – that’s why our experts are here to help you.

What's the cheapest health insurance?

The cheapest individual health insurance coverage will depend on your household income as you may qualify for a subsidized plan. Without subsidies, you can find plans for as little as $139 per month for a single person. 

With subsidies, the average cost of health insurance in the U.S. is $77 per month after the subsidies are applied.  We have helped many clients get great coverage at $10 per month.

What does individual health insurance cover?

An individual health insurance plan will cover most, if not all, of the same items that a plan provided through an employer would cover. This includes preventive care, doctor’s visits, hospitalizations, and prescriptions. There may be some differences in coverage, so it’s always a good idea to get expert advice from us before enrolling in any health insurance plan.

We help you compare dozens of options available in your area to find the right balance between price and coverage.

We have a team of licensed insurance agents who would be more than happy to help you find a plan that perfectly suits your needs, and all without charging you any additional fees! 

With decades of experience in the industry, we really are the best people for the job. So, if you’re feeling lost or overwhelmed by your options, please reach out to us and let us put your mind at ease.

Important Information

We work for you, not your employer, insurance company, or the government.

Our services cost you nothing.
We are 100% independent and un-biased.

We have served over 30,000 individuals and families.  You can trust that we are experts in helping you find the best coverage for you and your family.

Want to learn more?

Book An Appointment For Your

Comprehensive Policy Review

We offer comprehensive policy reviews at no charge any time of the year.  With rising premiums and a changing marketplace, you don’t have to wait until the annual open enrollment season.

We will compare and contrast competing plans from every major healthcare coverage provider in the nation.

We can likely save you thousands of dollars, and also improve your coverage!

Our team is standing by to assist you!