Here to help you Navigate health insurance

Our expert team of ensures that you make confident choices tailored to your unique needs. Providing clarity and assurance as you secure the right coverage for your well-being.

I need a quote for:

Your health insurance, our expertise

We’ll handle the research, comparison, and enrollment procedures, saving you valuable time and effort. Our expertise allows us to explain each plan in clear terms, empowering you to make informed decisions with confidence.

Personalized help

We take the time to understand your preferences and budget to provide personalized recommendations.

Unbiased advice

As independent broker, we don't have ties to any specific insurance company. Our recommendations are based solely on what's best for you.

Easy enrollment

Our team of agents will walk you through every step of the way to ensure accuracy and compliance.

Our reviews

"Refael was really Helpful with the process of finding a new insurance that will match our needs and budget He have all the knowledge , Very responsive-Answered million questions and was super nice!"

"Rafael is the best! I struggled with the online version on the Health Marketplace due to not being able to get any questions answered. Not only was Rafael able to answer all of my questions he helped me find truly affordable insurance for me and my whole family. I would recommend Rafael to anyone looking for answers in the crazy maze of insurance."

"As a retired physician I thought I could navigate getting health insurance on my own. I was very wrong. A friend recommended calling Rafi. Rafi was very knowledgeable and helpful. He was able to answer all our questions. He was reliable and easily accessible. I felt as if a friend was guiding us and not a salesman. If you want to make the miserable process of getting health insurance a lot more palatable, Rafi is the solution."

"Rafael is an outstanding agent! He is very detail oriented with extremely high attention to what is important for his clients. He will always go the extra mile to make sure you are getting the best possible insurance that is customized for your needs."

"Rafael gave outstanding customer service and with 2 insurance cycles got my bill down to just 14% of what it started at. If he covered all 50 states I'd recommend him to everyone I know."

"Refael Pinhas was professional, patient and very knowledgeable. He made everything easy and pleasant."

How it works

Let us help you with your health insurance in a 3 step process

States we serve

We’re located in Albuquerque, New Mexico. Serving 18 more states and we keep expending!

New Mexico
Arizona
California
Florida
Indiana
Kansas
Kentucky
Louisiana
Maryland
Michigan
Mississippi
Nevada
North Carolina
Ohio
South Carolina
Tennessee
Texas
Utah
Virginia

Not all products are available in all states

Enrollment periods

Individual & families

Open enrollment

Open Enrollment for individuals and families is the time when you can make changes to your insurance plan, switch carriers, or enroll in new coverage if you don’t already have one.

Open Enrollment dates:

Begins on November 1.
Ends on January 15.

Special Enrollment Period (SEP)

Special Enrollment is essential when you need to modify or enroll in a health insurance plan outside of the open enrollment period.

To be eligible, you must experience a qualifying life-changing event within a specific timeframe.

To qualify for spacial enrollment you need a qualifying life changing event withing a certain time frame.

Examples include:

Getting married or divorced.
Child birth.
Relocation to a different service area
Losing Medicaid or group plan.
Gained eligible immigration status.

Medicare

Initial election period (IEO)

The Initial Election Period occurs when an individual is new to Medicare, spanning a 7-month window. This period includes the 3 months before becoming eligible, the month of eligibility, and the 3 months that follow. During this timeframe, individuals have the opportunity to enroll in Medicare and other essential programs, including Medicare Advantage, and Prescription Drug (Rx) plans

The Initial Election Period occurs when an individual is new to Medicare, spanning a 7-month window. This period includes:

The 3 months before becoming eligible,
The month of eligibility,
The 3 months that follow.

During this timeframe, individuals have the opportunity to enroll in Medicare and other essential programs, including Medicare Advantage, and Prescription Drug (Rx) plans.

Medicare supplement enrollment

During the initial 6 months starting the month you turn 65, Medicare Supplements are available for purchase without the need to answer any medical questions, also known as a guaranteed issue right. After this period, individuals may still acquire Medicare Supplements at any time, but they will be required to answer medical questions

Annual enrollment period (AEP)

During the Annual Enrollment Period (AEP), which runs from October 15 through December 7, any Medicare beneficiary has the opportunity to make changes or enroll in Medicare programs. This includes the ability to:

Enroll in or change your Medicare Advantage plan and insurance carriers.
Transition between Medicare Advantage and Original Medicare.
Enroll in or drop a Part D prescription plan.

It’s important to note that all changes made during AEP will take effect on January 1.

Medicare advantage open enrollment

Medicare Advantage Open Enrollment occurs from January 1 through March 31 and is exclusively for individuals already enrolled in Medicare Advantage (Part C). Within this period, you can:

Make one change to your Medicare Advantage plan.
Opt to drop your Medicare Advantage plan and return to Original Medicare.

It’s important to note that the changes will take effect at the beginning of the following month after the change

Special enrollment period (SEP)

To make changes to you medicare plan outside of defined enrollment period. During this period you can change or drop your Medicare advantage or prescription plan.

In order to qualify you need a trigger event that change your circumstances.

Common events are: