Health Insurance

Get Expert Help Navigating Health Insurance Options

Searching for health insurance can be overwhelming. With so many options, terms, and networks, it can be difficult to know where to start. At First Integrity Insurance Solutions, we are here to guide you through the process and help you find the best health insurance plans that fit both your healthcare needs and budget. Our experts will work with you to ensure you select the right coverage, whether you are considering Marketplace plans or Off Marketplace health insurance options.

Individual and Family Health Insurance Options

• Marketplace Health Insurance (ACA Plans)
• Off Marketplace Health Insurance
• Short Term Health Insurance

What is Marketplace Health Insurance?

Affordable Care Act/Obamacare plans

The Affordable Care Act (ACA), also known as Obamacare, was enacted in 2010 to provide more Americans with access to affordable health insurance coverage. This law assists individuals who fall between 100% to 400% of the federal poverty limit (FPL) with subsidies to help pay for the insurance premiums. For the 2023 plan year, 90% of Marketplace enrollees qualified for subsidies (APTC); 48% qualified for cost sharing reductions(CSR), making it more affordable than ever.

What Does Marketplace Health Insurance Cover?

Marketplace health insurance plans must cover a wide range of essential health benefits, as mandated by the Affordable Care Act (ACA). All marketplace plans must cover treatment for pre-existing conditions and do not result in increased premiums based on those conditions. No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started.

• Preventive Care: This includes screenings, vaccinations, and counseling for conditions such as obesity, depression, and smoking cessation.
• Emergency Services: Coverage for emergency room visits, including ambulance services.
• Hospitalization: Treatment for illnesses and injuries requiring hospital stays, including surgeries and overnight stays.
• Prescription Drugs: Many plans offer coverage for prescription medications, with varying copayments or coinsurance depending on the specific drugs and plan.
• Maternity and Newborn Care: Prenatal care, childbirth, and care for newborns.
• Mental Health and Substance Use Disorder Services: Coverage includes counseling, therapy, and treatment for mental health conditions and substance use disorders.
• Pediatric Care: This includes well-child visits, immunizations, and dental and vision care for children.
• Lab Tests and Diagnostic Services: Coverage for laboratory tests, such as blood tests and X-rays, as well as diagnostic services like MRIs and CT scans.
• Rehabilitative and Habilitative Services: Coverage for services aimed at helping individuals recover from injuries or manage chronic conditions, as well as services to help individuals with disabilities learn new skills or adapt to daily life.
• Ambulatory Care: Outpatient services, including doctor visits, specialist consultations, and outpatient surgeries.

Plans will vary based on your location. The carriers that we represent are; Blue Cross Blue Shield, United Healthcare, Aetna, Oscar, Baylor Scott & White, Cigna, Ambetter, Molina, Christus, and Ascension. Since not all plans are offered everywhere, it is best to work with a licensed independent insurance agent to help you find the plans that are offered in your area.

Who Can Qualify for ACA Marketplace Health Insurance?

To qualify for subsidized ACA health insurance, you must meet several criteria, including:

• For individuals, if you are between the ages of 26-64, and you do not have access to affordable group health insurance through your employer.
• You are a US citizen or you are lawfully present in the United States for the duration of the plan year.
• Your income falls between 100% – 400% of the Federal Poverty Level based on your tax household and filing status. If you are married, you must file jointly.
• You are self-employed and your MAGI falls between the 100% – 400% of the Federal Poverty Level.
• If you are retired and do not have access for a job based health insurance plan.

When Can I enroll in an ACA Marketplace Plan?

The Open Enrollment Period is the main time to apply for Marketplace plans, which occurs November 1st to January 15th every year. However, you can enroll during Special Enrollment Periods (SEPs) if you’ve had a qualifying life event such as:

• Marriage or divorce
• Birth, adoption of a child, or placement for foster care
• Loss of minimum essential coverage (MEC). This includes loss of job-based coverage, Medicaid, CHIP, COBRA in the last 60 days
• Change in household size (e.g., gaining or losing a dependent)
• Relocation to a new area that offers different Marketplace plans
• Loss of eligibility for Medicare, Medicaid, or CHIP during the redetermination period
• Certain changes in income that affect eligibility for premium tax credits or cost-sharing reductions
• If your income falls between the 100% -150% of the FPL. (This is a temporary SEP and is subject to change.)
• Released from incarceration
• Gained a lawfully present immigration status or became a U.S. citizen.

If you experience a qualifying life event, you have a limited time window (usually around 60 days) to enroll in a new plan or make changes to your existing coverage through a special enrollment period (SEP). It’s essential to act promptly and provide documentation of the qualifying event when applying for coverage during an SEP. If you are unsure whether or not you may qualify for a special enrollment election period, call us to discuss you options. This is constantly changing, so it doesn’t hurt to check and see.

Why Choose First Integrity Insurance Solutions?

At First Integrity Insurance Solutions, we prioritize personalized service and ensure our clients get the coverage that best suits their needs. As an independent insurance broker, we with top-rated insurance providers including Blue Cross Blue Shield, United Healthcare, Aetna, Cigna, to help you find affordable, high-quality insurance options.

Work With A Trusted Health Insurance Expert

Having an independent insurance expert by your side can make all the difference. Our specialists will guide you through your options and heal you find the most suitable plan for you unique situation. Contact us today to get started, or enroll directly through our online enrollment link.

We also offer dental and vision insurance options as well, so don’t hesitate to ask about those benefits!

See What Our Clients Are Saying

 
 
 
 
 
 
 
 
 
 
  
  
 
 
 David Lyle 
 
2 September 2026
 
 
  
Tara has helped me with life insurance needs a couple of times now. She is thorough and knowledgeable, which has gotten me excellent rates. She is extremely responsive. As a repeat customer, I could not recommend her more.
  
 
 
 
 
  
  
 
 
 Heather Hemann 
 
14 August 2026
 
 
  
Tara went above and beyond to get me and my husband the best rates on our term life insurance policies. She was extremely professional, informative, and stayed in communication throughout the process. She made it easy and seamless - HIGHLY recommend her! It didn't cost us anything to use her as our agent as well. Thank you Tara!
  
 
 
 
 
  
  
 
 
 Alec Tripp 
 
14 August 2026
 
 
  
Quick to respond and very helpful
  
 
 
 
 
  
  
 
 
 Shridhar Chandan 
 
12 August 2026
 
 
  
Tara was great to work with, she was super responsive and made the whole process smoother, she went above and beyond to make sure I can get the best insurance.
  
 
 
 
 
  
  
 
 
 William Vaughn 
 
7 August 2026
 
 
  
Tara Vicuna provided phenomenal and expedient service in my hunt for the best term life insurance policy for me and my family. She was extremely professional and helpful and made the process incredibly simple and stress-free!
  
 
 
 
 
  
  
 
 
 Remy Zaken Andersen 
 
19 May 2026
 
 
  
Working with Tara was a breeze! She’s extremely responsive, helpful, and kind. Highly recommend!!!!
  
 
 
 
 
  
  
 
 
 Jack McCallum 
 
6 May 2026
 
 
  
Tara was very easy to work with and got me into a great policy. Prompt and reliable.
  
 
 
 
 
  
  
 
 
 Wesley McClanahan 
 
28 April 2026
 
 
  
Tara was great to work with, she found me some of the best rates for the life insurance products I was looking for. She’s extremely informative, communicative, and patient through the entire process. I highly recommend going through Tara at First Integrity for your life insurance needs!
  
 
 
 
 
  
  
 
 
 nadia addra 
 
2 March 2026
 
 
  
I really recommend their service, always on time and Miss Tara will help you through every step
  
 
 
 
 
  
  
 
 
 P Lo 
 
15 February 2026
 
 
  
The kind of service that Tara Vicuña has provided while helping me make a wise choice regarding health insurance should be the standard for all. Simply outstanding.Can’t say enough good things about how Tara was there for me to get this done. Thanks, Tara!
  
 
 
 
 
  
  
 
 
 Parsa Shirvani 
 
15 February 2026
 
 
  
Tara is honest. Doesn’t try to push things unnecessary to upsell. Easy to work with and communicates well.
  
 
 
 
 
  
  
 
 
 dawsonmj 
 
10 February 2026
 
 
  
Pleasure to work with. Super simple and easy!
  
 
 
 
 
  
  
 
 
 Kevin Villagomez 
 
4 February 2026
 
 
  
Tara has been great to work with and found us some of the best rates for the life insurance terms we were looking for. She’s extremely informative, communicative, and patient throughout the process. Highly recommend going through Tara for your life insurance needs!
  
 
 
 
 
  
  
 
 
 JAY BUDDHDEV 
 
22 January 2026
 
 
  
Tara was amazing to work with for our term life policy. She was always responsive, on top of everything, and made the whole process smooth and stress-free. Excellent service—highly recommend!
  
 
 
 
 
  
  
 
 
 Michael Carlin 
 
25 December 2025
 
 
  
I worked with Tara Vicuna at First Integrity Solutions to secure a life insurance policy, and she was excellent to collaborate with. She brought clear insight into the different carriers and helped me identify the best options based on my specific needs and circumstances. Tara kept the process moving smoothly by coordinating timelines and promptly following up on next steps, which made it easy to stay on track. Her professionalism, patience, and deep knowledge stood out; she answered every question thoroughly and made sure I had what I needed to make informed decisions. Thanks to her support, everything wrapped up efficiently and with confidence. I’d gladly recommend her to anyone looking for a capable, reliable agent.
  
 
 
 
 
  
  
 
 
 ghaneshwaran muthusamy 
 
25 December 2025
 
 
  
Tara was very professional and highly competent. All questions were answered very promptly, honestly and with full clarity and she's very easy to work with. Would highly recommend her to anyone wanting to get life insurance.
  
 
 
 
 
  
  
 
 
 Elle Simone 
 
6 December 2025
 
 
  
Renewing health insurance always makes me cringe 😅 — but even in these choppy waters, Tara Vicuna calmly walked me through every step and helped me land the best coverage at the best price. She’s patient, clear, and truly goes the extra mile. A+++ experience. If you need a health insurance (or other types of insurance!), she’s your person.
  
 
 
 
 
  
  
 
 
 Anant Jain 
 
9 November 2025
 
 
  
Tara is an amazing insurance agent. She is very knowledgeable and patient, with strong insurance background. She was able to recommend me the best plan based on my individual needs and circumstances. Best thing is that she is very responsive. I would highly recommend her services.
  
 
 
 
 
  
  
 
 
 Riaz Raffi 
 
4 November 2025
 
 
  
Tara at First Integrity Solutions was fantastic to work with. She was patient, clear, and genuinely helpful throughout the whole process. She guided us without pressure and made sure we landed on the right policy. I highly recommend Tara for your life insurance needs!
  
 
 
 
 
  
  
 
 
 US Libertine 
 
1 November 2025
 
 
  
Tara Vicuna is so wonderful to work with. She clearly explains the best plans for me and is very patient in answering my many questions. Ask for Tara. Tara, thank you so much for helping me.
  
 
 
 
 
  
  
 
 
 Amanda Klaus 
 
23 September 2025
 
 
  
Tara was the utmost professional.  She guided us through the insurance process with ease.  Found the best deal and continually kept in contact so the offer could be finished before expired.  Highly recommend!
  
 
 
 
 
  
  
 
 
 Rajesh Ch 
 
19 September 2025
 
 
  
Tara worked with our family on term policies and recommended policies based on our situation and requirements. The process was smooth. She did not try to upsell anything at any point during the process.
  
 
 
 
 
  
  
 
 
 l antonsen 
 
30 July 2025
 
 
  
Tara was prompt, professional and very helpful in my transition to a new health insurance.  She made it easy and kept me informed throughout this necessary journey.
  
 
 
 
 
  
  
 
 
 Ryan Nguyen 
 
6 May 2025
 
 
  
Tara was very knowledgeable and helpful and guided me through the process. Highly recommend!
  
 
 
 
 
  
  
 
 
 JACOB KLAUS 
 
30 April 2025
 
 
  
Tara walked me through the process and got me the coverage I was looking for.  Great experience.
  
 
 
 
 
  
  
 
 
 Bala Kan 
 
25 April 2025
 
 
  
I recently had pleasure of working with Tara and I couldn’t be more satisfied with my experience. There were so many steps in getting approved for insurance but Tara was on top of everything. She helped me navigate the my all possible options and helped me chose best life insurance per my needs. Highly recommend Tara for any insurance needs.
  
 
 
 
 
  
  
 
 
 Lindsay Lam 
 
24 April 2025
 
 
  
Finally I got approval from Banner Life for  a 30 yr term policy. Their health underwriting process was confusing and lengthy but with assistance and professionalism of Tara from First Integrity Insurance Solutions all things were clear and smoothly moving. If you are looking for or plan to have a  life insurance policy to protect your loved ones and need a reliable and professional agent, I highly recommend Tara.
  
 
 
 
 
  
  
 
 
 Doug 
 
12 April 2025
 
 
  
Tara helped us with our life insurance needs and did an excellent job. She is easy to communicate with and knowledgeable/helpful with questions. I expected this process to be time/consuming and straining but it wasn't at all. She was able to take our requests, get quotes, and then guide us through the rest of the application. Highly recommend Tara
  
 
 
 
 
  
  
 
 
 Gisselle Mathew 
 
4 April 2025
 
 
  
Tara was an absolute pleasure to work with! She made the process of securing term life insurance for my husband and me seamless and stress-free. She took the time to understand our needs, answered all our questions with patience and clarity, and helped us find the best plan to protect our family’s future. Her professionalism, knowledge, and genuine care truly set her apart. I highly recommend Tara to anyone looking for a trustworthy and dedicated insurance professional. Thank you, Tara, for your outstanding service!
  
 
 
 
 
  
  
 
 
 Kuldip Dhingani 
 
24 March 2025
 
 
  
I recently had the pleasure of working with Tara to review and update my insurance coverage, and I couldn’t be more satisfied. Tara took the time to thoroughly educate me on the different options available, explaining everything clearly and making sure I fully understood each policy and how it fit into my financial situation. She was incredibly supportive throughout the process—listening to my needs, asking thoughtful questions, and never making me feel rushed or pressured. Tara went above and beyond to help me find the best policy that provides the right protection while staying within my budget. Thanks to her dedication and expertise, I feel confident that I’ve made the right choice for both my finances and my peace of mind. I highly recommend Tara to anyone looking for a knowledgeable, patient, and genuinely caring insurance professional.