Health Insurance

Health Insurance for Every Stage of Life

If you're under 65 and need health insurance in Arizona, you’re not alone. Whether you're self-employed, between jobs, an early retiree, or simply shopping for a better option, there are plans designed to fit your needs and budget.


As your local health insurance broker, I will guide you step by step — helping you understand your options and choose a plan that keeps you covered and confident.

Schedule Free Health Plan Review

What We Do for you

Understanding Your Health Coverage Options

Here’s a quick look at the main ways to get health insurance if you’re under 65:

ACA Marketplace (Obamacare) Plans

Comprehensive coverage with essential health benefits, no exclusions for pre-existing conditions, and potential subsidies to lower costs.

Group/Employer Health Insurance

Coverage offered through small businesses to employees and their families. These plans provide robust benefits and can be customized to fit your team's needs and budget.

Health Insurance for Self-Employed Individuals

As a self-employed individual, you can shop for ACA plans on the Marketplace and may qualify for subsidies based on your income. Javier helps you evaluate your best options for affordable, comprehensive coverage.

Short-Term & Supplemental Health Plans

Short-term plans provide temporary coverage during gaps (like between jobs), while supplemental plans like accident, cancer, and hospital indemnity offer financial protection alongside your main insurance.

Why Choose ACA Marketplace Plans?

ACA Marketplace plans offer full coverage for:


  • Doctor visits and preventive care
  • Hospitalization and emergency services
  • Maternity and mental health services
  • Prescription medications

With subsidies available based on income, many Arizona residents pay much less than expected. Learn more about Marketplace plans here.

Health Insurance for the Self-Employed

If you’re self-employed, you still have affordable, comprehensive options. I specialize in helping Arizona entrepreneurs and freelancers find plans that work without breaking the budget.

Short-Term & Supplemental Health Plans

Looking for temporary coverage or extra protection? Short-term health plans and supplemental policies (like critical illness or hospital indemnity) can help bridge gaps.

Enrollment Help, Without the Hassle

Open enrollment for ACA Marketplace plans runs from November to mid-January, but if you've had a life change (like losing job coverage), you may qualify for special enrollment. I provide free enrollment help, making it easy to choose and enroll in the best plan for you.



Ready to Get Covered?

Don’t navigate health insurance alone. I am here to make it simple and stress-free.

Schedule Your Free Health Plan Review