Personal Health Insurance: Helping You Find the Right Fit for You and Your Family

Navigating health insurance doesn’t have to be confusing—and you don’t have to figure it out alone. Whether you’re self-employed, between jobs, or just need coverage that works for your family, we’re here in Miamisburg, Ohio to help you understand your options through the Health Insurance Marketplace.

What You Get with Marketplace Plans

The Marketplace was created to help individuals and families compare and buy health insurance that fits both your health needs and your budget. Here’s what to expect:

Different Coverage Levels: Plans come in four tiers—Bronze, Silver, Gold, and Platinum. Bronze plans have lower monthly costs but higher out-of-pocket expenses. Platinum plans are the opposite: higher premiums, but lower costs when you get care.

Essential Health Benefits: Every plan includes coverage for doctor visits, hospital care, preventive screenings, prescriptions, and mental health services.

Savings Based on Income: Depending on your income and household size, you might qualify for premium tax credits or cost-sharing reductions that can make coverage much more affordable.

Enrollment Windows: Most people can sign up during Open Enrollment (usually November through January). But if you've recently had a big life change—like getting married, losing coverage, or having a baby—you might qualify for a Special Enrollment Period.

Who Should Consider Marketplace Health Insurance?

• Self-employed workers

• People without job-based coverage

• Anyone between jobs or retiring early

• Families looking for budget-friendly options

Let’s Make It Simple

If you’re in the Dayton area and need help choosing a plan—or figuring out if you qualify for savings—we’re just a phone call away. We’ll walk you through your options, explain the fine print, and help you find a plan you can feel good about.

Need help with health insurance? Let’s talk. Call Nestor Insurance today at 937-866-6138 to schedule a free consultation.