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Individual major medical insurance for people under 65 years of age

We offer Major Medical insurance on- and off the Health Insurance Marketplace. Many of our customers qualify for financial help to lower their premiums.

We have helped hundreds of customers enroll in coverage through the Marketplace (subsidized health insurance plans).



The Open Enrollment for Major Medical plans in Illinois runs from November 1st through December 15th.  Outside of the Open Enrollment you need to have a special event to purchase major medical plans (even if you are not interested in any financial help!) 

The most common special events are loss of qualifying coverage (for example employer-based coverage, Medicaid), getting married, having a baby, moving to a new home in a new ZIP code or county and getting a legal status. However, right now we are in the Special Enrollment Period due to COVID 19 pandemic. Until August 15th, 2021 everybody can enroll in permanent health insurance!!

Major medical plans have to comply with the requirements of Affordable Care Act-  they cover pre-existing conditions and have to cover 10 essential benefits including pregnancy and mental health services.

We represent all the companies which offer major medical plans in the Chicago area -Blue Cross Blue Shield, Ambetter and Cigna.

To see if you qualify for subsidies, please click HERE

If your income is too high to get a subsidy, there are more plans available off the Marketplace. 

Please contact our agency for more information and quotes -708 669 7222.

Temporary health insurance plans

If Major Medical insurance is not available or you are looking for more affordable options, we can offer temporary medical plans. They work for a shorter period of time (in Illinois the maximum term is 180 days). Temporary plans are available at any time during the year and can be effective as early as the next day after submitting an application. In most cases they will cost less than Major Medical plans (if you don't qualify for a subsidy). We sell temporary plans from such companies as United Healthcare, National General, Pivot Health and IHC. 

Please call our agency today for a free quote.


Group health insurance 


We also work with employers who would like to provide health coverage to their employees (and possibly to their employees' families). Those employers can set up group health insurance. Group plans usually have more options (for example larger networks) than individual plans and they are also available at any time during the year.

Insurance plans for Medicare beneficiaries

In our agency you can shop for Medicare SupplementsPrescription Drug Plans as well as low cost (or even premium-free) Medicare Advantage plans.

Medicare Supplements can be purchased at any time during the year, whereas Medicare Advantage and Prescription Drug Plans are available during the Initial Enrollment Period (when you first enroll in Medicare), during the Annual Enrollment period (October 15th -December 7th) and in some other special situations (for example when you lose your employer based coverage).

Another interesting option is a $0 premium Medicare MSA Plan which combines a high-deductible insurance plan with a medical savings account that you can use to pay for your health care costs. 

We represent many Medicare carriers -Blue Cross Blue Shield, Aetna, United Healthcare, Humana, Cigna, Silverscipt, Wellcare and Lasso Healthcare (MSA plans).

Please contact our agency for more details and free quotes.

Other health insurance products

​We also sell dental insurance, vision insurance, hospital indemnity plans, Critical Illness, accident plans and travel medical insurance (for travel outside of the U.S.)


Life Insurance


We offer various types of life insurance policies.

Please contact our agency for more information and free quotes - 708 669 7222

Why don't you use our knowledge and experience? Our advice and assistance are free!

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