Individual & Family Health
Personalized medical coverage built around your household's needs and budget — whether you're covering just yourself or your whole family.
Health insurance shouldn't feel like a maze. Whether you're self-employed, between jobs, retired early, or just looking for a better price than what you have now, Luke helps you compare real options — Marketplace (ACA) plans and private/short-term alternatives — so you can see what actually fits your health needs and your wallet, side by side.
Who this is for
Self-employed & freelancers
No employer plan? Luke helps you find individual coverage that fits your income and health needs.
Families
Compare coverage for your whole household, including options for kids and dependents.
Between jobs
Bridge the gap in coverage without overpaying for COBRA or going uninsured.
Early retirees
Not yet Medicare-eligible? Find a plan to carry you through until you turn 65.
How Luke helps
1Understand your options
Marketplace (ACA) plans, private/off-exchange plans, and short-term medical — Luke explains the real tradeoffs of each.
2Compare real pricing
Get a personalized estimate in minutes using the quoting tool, or Luke can pull options directly for you.
3Check for savings
If you qualify for Marketplace subsidies, Luke helps you see whether that beats a private plan for your situation.
4Enroll with support
Luke walks you through enrollment and stays available if anything changes — at no cost to you.
Common questions
Do I have to wait for Open Enrollment?
Marketplace (ACA) plans generally require Open Enrollment or a qualifying life event, but private and short-term medical options are often available to apply for year-round — Luke can tell you what you qualify for right now.
Is there a cost to work with Luke?
No. As a licensed independent agent, Luke is compensated by the carrier, not by you — his guidance is always free to the consumer.
What if I have a pre-existing condition?
Your answers on the quoting tool help identify whether a Marketplace plan or a private/alternative plan is the better fit for your specific health history — Luke will walk you through your real options either way.
See your options in minutes.
Get a free, personalized quote — no phone call required to get started.