Health Insurance Under 65

Affordable Coverage for Every Stage of Life—Before Medicare

Not everyone has access to employer health insurance or qualifies for Medicare just yet—and that’s where individual and family health plans come in. At Brooks Financial, we help clients under 65 across Columbia, SC explore their options for affordable, ACA-compliant coverage. Whether you’re self-employed, between jobs, aging off a parent’s plan, or early-retired, we’ll help you find a plan that fits your income, health needs, and preferred providers. Many of these plans are available through the federal Health Insurance Marketplace, with subsidies available based on your income. We’ll help you understand your options, compare networks and costs, and enroll with confidence.

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Explore Our Health Insurance Services

Whether you're exploring ACA plans or short-term options, we’ll help you find a plan that works in the real world, with the right balance of coverage and cost.

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ACA Marketplace Plans

These are health insurance plans available through the federal exchange, covering essential health benefits like doctor visits, hospital stays, prescriptions, and preventive care. Subsidies may lower your premium based on income.
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Short-Term Health Plans

Temporary coverage for those between jobs or waiting for long-term coverage to begin. These plans may not cover pre-existing conditions but can help prevent large medical bills in the meantime.

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Indemnity Health Coverage

The indemnity health coverage offers flexibility in choosing healthcare providers and services without needing referrals. It reimburses a portion of medical costs based on a fee schedule, giving autonomy in healthcare decisions despite potential extra costs.
Coverage You Can Actually Use—Without Breaking the Bank

Helping You Find the Right Health Plan Before You Turn 65.

Choosing health insurance can feel like a guessing game, especially if you're buying it for the first time. At Brooks Financial, we simplify the process by walking you through the basics—premiums, deductibles, networks, and more—so you know what you’re getting.

  • Income-Based Plan Matching
     We’ll check your eligibility for subsidies and find ACA plans that maximize your benefits while minimizing monthly costs.
  • Local Provider Knowledge
     We know which plans work best with doctors and hospitals in Columbia, Irmo, Forest Acres, and surrounding areas.
  • No Confusing Jargon
     You’ll get straightforward explanations and practical advice—not a lecture or a sales pitch.
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Frequently Asked Questions About Under-65 Health Insurance

  • Can I get help paying for health insurance if I don’t have a job?

    Yes—through the ACA Marketplace, many people qualify for premium subsidies based on their income, even if they’re not currently working. We can help check your eligibility.

  • What’s covered under ACA plans?

    All ACA plans cover essential health benefits like doctor visits, preventive care, maternity, mental health services, prescriptions, and more. We’ll explain what’s included and how each plan compares.

  • What if I only need coverage for a few months?

    Short-term health plans can provide basic protection while you're between jobs or waiting for another policy to begin. These plans may have limited benefits, but they can prevent major expenses from unexpected medical events.

  • Do I need to enroll during a specific time of year?

    Yes—Open Enrollment for ACA plans usually runs from November 1 to January 15. Outside that window, you’ll need a qualifying life event (like job loss or moving) to enroll. Short-term plans are available year-round.