Health Insurance

Finding Coverage that Fits Your Family

Every family’s needs are different. As independent agents, we work with multiple carriers to help you evaluate your options — and choose coverage that aligns with your goals, budget, and values.

Shine Light on the Choices

Health insurance isn’t one-size-fits-all. Plan designs, provider networks, and premiums vary widely — and so do family circumstances.

Our role is to help you see the landscape clearly. We’ll explain how the options differ, what factors affect cost, and how to coordinate your coverage with your doctors, prescriptions, and budget.

Coverage Paths We Can Explore Together

We can assist with:

  • Marketplace (ACA) Plans – including a review of potential premium tax credits.
  • Private Individual & Family Plans – flexible solutions for those who don’t qualify for subsidies or prefer alternative coverage structures.
  • Short-Term Medical Plans – temporary coverage for gaps between jobs or other transitions.

Each type has its own strengths and trade-offs. We’ll help you understand how they compare so you can make a confident, informed decision.

How We Work

At S&S Insurance Group, we serve as your guide — not a representative of any one company.
Our process is designed to make health insurance more understandable and manageable:

  1. Listen first. We start by understanding your family’s needs, providers, and priorities.
  2. Clarify options. We outline available plan types from multiple carriers.
  3. Compare fit. Together, we look at coverage details, premiums, and out-of-pocket considerations.
  4. Support year-round. We remain available for questions, renewals, and life-event changes.

Our goal is to help you make informed decisions — and feel confident in how your coverage supports your health and your household.

Health Coverage for the Self-Employed and Small Businesses

Running your own business often means wearing every hat — including HR.
Whether you’re a solo entrepreneur, an independent contractor, or a small employer, we can help you evaluate options that protect both your household and your team.

We’ll review:

  • Individual & Family Coverage for owners who buy their own insurance.
  • Small Group Plans for businesses with employees, where available.
  • HRA and Reimbursement Models that allow owners to contribute toward employee health costs in a tax-advantaged way.

Our goal is to make coverage decisions clear, compliant, and coordinated with your overall financial plan — so you can focus on running your business with confidence.

Ready to shine some light on your family’s health coverage?

Schedule a conversation today — we’ll help you navigate the options and understand what makes sense for your situation.