Lost employer coverage? Self-employed? We navigate the ACA Marketplace to find you the right plan at the right price — with maximum subsidies.
You are not alone. These are the health insurance challenges we solve every day.
Job change, layoff, or going self-employed? Losing your employer-sponsored insurance is stressful enough without having to figure out the Marketplace on your own.
Dozens of plans, tiers, networks, and formularies. Bronze, Silver, Gold, Platinum — which one actually makes sense for your family? We cut through the noise.
Paying too much because you did not optimize your subsidies? Many families leave thousands of dollars in tax credits on the table. We make sure you do not.
Going uninsured and hoping nothing happens is a gamble you cannot afford. One emergency room visit could cost tens of thousands. Let us get you covered.
Four straightforward steps. No jargon, no surprises — just clarity and the right plan for your life.
A quick intake to understand your household size, income, current doctors, medications, and coverage needs. This takes about 10 minutes and sets the foundation for everything that follows.
We evaluate your preferred doctors, prescription medications, and budget to identify which plan tiers and networks will serve you best — not just the cheapest option, but the right option.
Side-by-side comparison of your best Marketplace options with full subsidy calculations. You will see exactly what you pay, what is covered, and what your out-of-pocket looks like — before you commit.
We guide you through the enrollment process and verify your coverage is active. No loose ends, no surprises — you walk away covered and confident.
We do not just sell you a plan. We find the plan that fits your life and your budget.
We know the Marketplace inside and out. From plan selection to enrollment, we handle the complexity so you do not have to.
Maximize your tax credits and minimize your premiums. We calculate your exact subsidy eligibility and find the plan where your dollars go furthest.
We serve you in English, Spanish, and Haitian Creole. Health insurance is complicated enough — language should never be a barrier.
Open Enrollment typically runs November through mid-January — contact us to confirm current dates. Outside of Open Enrollment, you may qualify for a Special Enrollment Period if you have a qualifying life event such as job loss, marriage, having a baby, or moving.
A qualifying life event includes job loss, marriage, having a baby, moving to a new area, or losing other health coverage. These events trigger a 60-day Special Enrollment Period during which you can sign up for a Marketplace plan outside of Open Enrollment.
Most individuals and families earning up to 400% of the Federal Poverty Level qualify for premium tax credits. Many qualify for even more help. We calculate your exact credit amount during your consultation so you know exactly what you will pay.
Metal tiers reflect cost-sharing between you and the insurance company. Bronze plans have the lowest monthly premiums but highest out-of-pocket costs. Platinum plans have the highest premiums but the lowest costs when you use care. Silver and Gold fall in between. We help you find the tier that matches your health needs and budget.
We check your preferred doctors and specialists against each plan's provider network before making a recommendation. Keeping your current providers is a priority, and we will tell you upfront if a plan does not include them.
All ACA Marketplace plans cover prescription drugs as an essential health benefit. However, each plan has its own formulary — the list of drugs it covers and at what cost tier. We check your current medications against each plan's formulary to make sure your prescriptions are covered affordably.
"I had no idea I qualified for subsidies until FPM Pro walked me through everything. My monthly premium dropped by more than half, and I kept my same doctors. Bertram made the whole process painless."
Book a free consultation with Bertram. We will review your situation, calculate your subsidies, and find the right plan — no pressure, no obligation.
Turning 65 soon? We handle Medicare transitions seamlessly. Explore Medicare Services →