Waters & Dance Insurance Solutions
Affordable Coverage
For You & Your Family
Finding the right health plan under 65 doesn't have to be complicated. We compare ACA Marketplace plans, individual and family options, and short-term coverage — and find what fits your life and budget.
Your Options
Health Plan Types
Every situation is different. We help you understand your options and choose the plan that makes the most sense for you.
Comprehensive coverage
ACA Marketplace Plans
Affordable Care Act plans offer comprehensive health coverage with essential benefits. Depending on your income, you may qualify for significant premium tax credits that lower your monthly cost.
- Covers pre-existing conditions
- Premium tax credits based on income
- Essential health benefits included
- Open Enrollment: Nov 1 – Jan 15
Tailored to your household
Individual & Family Plans
Whether you're covering just yourself or your entire family, we find plans that balance monthly premiums with out-of-pocket costs to fit your specific health needs and budget.
- Coverage for individuals, couples & families
- Wide network of doctors and hospitals
- Flexible deductible and premium options
- Pediatric dental & vision included
Flexible gap coverage
Short-Term Health Insurance
Between jobs, waiting for employer coverage to start, or missed Open Enrollment? Short-term plans provide temporary protection at a lower premium while you transition.
- Coverage can start within days
- Lower monthly premiums
- Flexible plan lengths
- Good for coverage gaps & transitions
Our Process
How We Find Your Plan
Tell Us About You
We start with a free, no-pressure conversation about your health needs, preferred doctors, medications, and what you can comfortably spend each month.
We Check Your Savings
We determine if you qualify for ACA premium tax credits or cost-sharing reductions — many clients are surprised by how much they can save.
Enroll With Confidence
We walk you through your best options side-by-side and handle enrollment. We're also here every year at renewal to make sure your plan still fits.
Common Questions
Under 65 FAQs
When can I enroll in an ACA Marketplace plan?
Open Enrollment runs November 1 through January 15 each year. Outside of that window, you can enroll if you have a qualifying life event — like losing job-based coverage, getting married, or having a baby.
Do I qualify for a subsidy or tax credit?
Many people do. Premium tax credits are available to individuals and families earning between 100% and 400% of the federal poverty level. We'll run the numbers for you at no cost.
What's the difference between HMO and PPO plans?
HMO plans typically have lower premiums but require you to use a specific network and get referrals. PPO plans offer more flexibility to see any doctor, often at a higher premium. We'll help you weigh the trade-offs.
Can I keep my current doctor?
It depends on the plan's network. When we compare plans for you, we always check whether your preferred doctors and hospitals are in-network so there are no surprises.
Ready to Find Your Health Plan?
Our licensed agents are ready to help — at no cost to you. Call us or request a free quote online.