Under 65
Senior Insurance Professionals, LLC
Health Insurance for Individuals Under 65 in Winston‑Salem
Not yet eligible for Medicare? Finding the right health insurance before age 65 can feel confusing—but it doesn't have to be. At Senior Insurance Professionals, LLC, we help individuals, families, and self-employed professionals in Winston‑Salem get affordable, dependable health coverage tailored to their needs and budget.
Whether you need coverage between jobs, are self-employed, or just looking for alternatives to expensive employer plans, we guide you through all available options.
What Types of Under‑65 Plans Do We Offer?
We work with a wide network of trusted carriers to provide:
ACA Marketplace Plans (Obamacare)
These plans meet all Affordable Care Act (ACA) requirements, including coverage for essential benefits, pre-existing conditions, and preventive care. If you qualify for a subsidy based on income, these plans may offer significant savings.
Short-Term Health Insurance
Need coverage while between jobs or waiting for Medicare eligibility? Short-term plans provide basic protection for a limited time, often at lower premiums. While they may not cover all ACA benefits, they’re a practical solution for temporary needs.
Fixed Benefit or Limited Medical Plans
These plans offer set payout amounts for specific medical services, such as doctor visits or hospital stays. They’re a good option for those seeking predictable, budget-friendly care.
Catastrophic Plans
Available to people under 30 or those with hardship exemptions, catastrophic plans offer low monthly premiums and high deductibles. They’re designed for worst-case scenarios like hospitalizations or serious illness.
Who Needs Under‑65 Health Insurance?
Health insurance isn’t just for emergencies—it’s protection against financial instability and access to preventive care. We help clients who are:
- Self-employed and need individual coverage
- Between jobs or transitioning from COBRA
- Not offered health benefits through their employer
- Losing Medicaid or other public coverage
- Too young for Medicare, but want protection in the meantime
- Part of a family seeking affordable coverage for children or dependents
Why Choose Senior Insurance Professionals, LLC?
When you work with us, you’re not just selecting a plan—you’re choosing a long-term insurance partner.
- H3: Personalized Consultations - We review your budget, health needs, and provider preferences to identify plans that fit—not just what’s popular.
- Help With Subsidies - We help you determine if you qualify for a government subsidy through the ACA and walk you through the application and documentation process.
- Carrier Comparisons - We’re independent, so we represent many carriers—not just one. That means you get unbiased advice, with side-by-side comparisons of benefits, premiums, and networks.
- Ongoing Support -
After enrollment, we continue to support you. Need help understanding bills, finding doctors, or updating coverage during a life event? We’re just a phone call away.
FAQs About Under‑65 Health Coverage
When can I enroll?
You can enroll during the annual Open Enrollment Period (usually November 1 – January 15) or qualify for a Special Enrollment Period due to a life change—like losing coverage, marriage, or moving.
Do I have to buy through the marketplace?
No. While ACA marketplace plans are a good fit for many, we also offer private plans and alternatives that may be better based on your situation.
What if I have a pre-existing condition?
All ACA plans cover pre-existing conditions. Short-term and limited medical plans may have restrictions—so we’ll explain what’s covered and what’s not.
Can you help with family or dependent coverage?
Yes. We help parents, married couples, and blended families find options that work for everyone under one roof.
Get Covered Today—With Confidence
Don’t wait until a health emergency leaves you vulnerable. Let Senior Insurance Professionals, LLC guide you through your under‑65 insurance options with clarity and compassion.