321 Merchant Street
Ambridge, PA 15003

Individual Plans

We Help You Make the Right Choice!

Are you under 65 and need health insurance coverage?

There are many considerations that go into choosing the right individual or short term or COBRA insurance policy plan for your needs. It can be more than a little overwhelming! Luckily, our independent agency is here to help.


With the passage of the Affordable Care Act, the Federal Government standardized the individual market. If your income is below 400% of the Poverty Level and you do not qualify for Medicaid, you must buy health insurance on the HealthCare Marketplace, operated by the Federal Government. Depending on your income, you may be eligible for a subsidy. You may be subject to a penalty (through 2019) if you do buy insurance.

Individual / Short-Term / COBRA

Many individuals and families cannot take advantage of the subsidies offered by the Marketplace. Perhaps because group-coverage is not available, or the need is for a short period of time. Our independent agency represents many highly rated carriers that offer ACA-compliant individual insurance policies.

Our quotes and information are accurate and unbiased. We can help you shop for the lowest rates with the most dependable carriers in Pennsylvania. Effective this year, short term policies may not exceed 90 days.

Companies we represent include:

  • Aetna
  • The Guardian
  • Health Assurance / Health America
  • Highmark Blue Cross Blue Shield
  • UPMC

Other Policies We Offer:

  • Health Savings Accounts
  • Special Children's Insurance

Have Questions? Ask Bob Nelson

Have Questions? Ask Bob Nelson

724-266-0301 - 9.00 AM TO 6 PM

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