Comprehensive Health Insurance for Individuals & Families

Secure coverage options—from Marketplace plans to dental and vision—to protect your health and your budget

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health insurance for individuals and families

Tailored Health Insurance Solutions

Finding the right health insurance plan can feel overwhelming. At Peterman Insurance Services, our nurse-led guidance simplifies the process—helping you navigate ACA/Marketplace options, dental, and vision plans so you and your family get the care you need without the confusion.

ACA/Marketplace Plans

Access subsidized Bronze, Silver, Gold, and Platinum plans through the federal or state Marketplace—ensuring compliance with the Affordable Care Act. Contact us to discuss the coverage that is right for you.

Vision Care Insurance
Keep eyes healthy with vision plans that include annual exams, frames, lenses, and contacts. See options on our Vision Insurance page.

Dental Insurance

Protect smiles with standalone dental plans covering preventive care, basic procedures, and major services. Explore details on our Dental Insurance page.

Your health insurance Questions, Answered

Find clear, concise answers to common questions about health, dental, and vision insurance—so you can choose the plans that fit your family’s needs and budget.

U.S. citizens and lawfully present residents without employer-sponsored coverage can enroll during Open Enrollment or qualifying life events. Subsidies are available based on income and household size.

Premium tax credits reduce your monthly premium and are based on your projected annual income relative to the federal poverty level. We’ll help you estimate eligibility and apply correctly.

Yes—dental and vision policies are sold off-Marketplace year-round. Standalone plans let you add essential preventive and corrective benefits at any time.

HMOs require you to use in-network providers and obtain referrals, while PPOs offer more flexibility to see out-of-network doctors at a higher cost share.

A copayment is a fixed fee for services (e.g., $25 per doctor visit). Coinsurance is a percentage you pay after meeting your deductible (e.g., 20% of a hospital bill). Understanding both helps you anticipate out-of-pocket costs.

Changes are allowed only after qualifying life events—like marriage, birth of a child, or loss of other coverage. We’ll help you determine if you qualify and complete the enrollment within required timeframes.