Health Care Coverage

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Personalized Health Coverage That Fits Your Life

At Carpenter Collective, LLC, we specialize in helping individuals and families find affordable, reliable health insurance coverage—whether you're self-employed, between jobs, or simply not covered through an employer. Our mission is to make health insurance easy to understand and accessible to everyone, no matter your stage of life or budget.

✔️ Expert Guidance
We help you compare plans from top insurance carriers so you don’t have to navigate the Marketplace or private options alone.

✔️ Personalized Recommendations
Your coverage should match your needs—not the other way around. We take time to understand your health goals, budget, and household size to find the best fit.

✔️ Help With Premium Tax Credit Eligibility
We review your income and tax household information to help you qualify for lower premiums or even $0/month plans.

✔️ Year-Round Support
Whether it’s enrolling during Open Enrollment or updating your coverage after a life change, we’re here for you all year—not just during sign-up season.

• ✅ Self-employed individuals & freelancers
   
• ✅ Families who don’t have employer coverage
   
• ✅ Young adults aging off their parent’s plan
   
• ✅ Early retirees under age 65
   
• ✅ Part-time workers or those with no benefits
   
• ✅ Anyone seeking more affordable or better coverage
   

🩺 ACA Marketplace Plans (Obamacare)
Choose from Bronze, Silver, and Gold plans from top carriers. We'll help you apply any eligible subsidies.

🧾 Private Health Insurance
Looking for more flexibility? We can also show you off-market options that fit specific needs.

💳 Low-Deductible & No-Deductible Plans
We specialize in plans with no deductibles, no copays, or low-cost preventative care—so your health comes first, not your wallet.

💡 Plan Comparison & Enrollment Support
We’ll walk you through all your options and handle the paperwork so you can feel confident and covered.

1. Free Consultation
   We’ll learn about your health needs, household, income, and budget.
    
2. Customized Plan Review
   We’ll show you tailored plan options with clear explanations—no jargon.
    
3. Enrollment & Ongoing Help
   We’ll complete your application, and we’re here all year to support any changes or questions.
    

Health insurance shouldn’t be stressful. Let Carpenter Collective, LLC take care of the hard part so you can focus on living well and protecting your family.