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Individual Health Insurance

Because life happens, and coverage should be there when it does. Whether you're self-employed, between jobs, retiring early, or just need your own plan, individual health insurance through the Marketplace can help you stay covered-and even save money.

But hey, health insurance isn't the only thing we offer. At Keenly, you can build your benefits like your favorite taco bar – add what you need, skip what you don't.

  • Dental & Vision Plans
  • Life Insurance
  • Telemedicine & Virtual Mental Health
  • Advocacy & Bill Support
  • HSA-eligible plans, supplemental benefits, and more.
Why Work with a Broker?

 

At Keenly, we:

  • Match you with the right plan
  • Help with Advanced Premium Tax Credit and Cost Sharing Reductions
  • Offer year-round support
  • Handle the hard stuff for you

All this support costs you nothing extra because the insurers pay us to help you secure coverage. We have the tools, know-how, and heart to help.

 

Schedule your free consultation here.

 

Purchase freshbenies

Individual & Family
$18.00/month

Built for individuals or families needing healthcare and insurance support.

  • One hour of counseling

  • Enrollment in Freshbenies which includes:

  • Tele-medicine

  • Behavioral telehealth (additional fees)

  • Advocacy

  • Ask-A-Doctor

  • Discounts

Purchase

Enrollment Dates
 
Open Enrollment:

Idaho: October 15 - December 15

Texas: November 1 - January 15

 

Missed these open enrollment dates? You may qualify for a Special Enrollment Period if you've had a Qualified Life Event (like losing coverage, getting married, or moving). You have 60 days to enroll. Reach out to us for help.

 

Schedule your free consultation here.

Glossary
 
Health Insurance Terms, Decoded 

APTC: APTC stands for Advanced Premium Tax Credit. It's a discount on your monthly premium based on your income and household size. The lower your income, the more help you get.

 

Cost-Sharing Reductions (CSRs): CSRs lower your out-of-pocket costs, deductibles, copays, coinsurance, and your max annual spend. To qualify, you must choose a Silver plan.

 

Premium - Your monthly cost paid to the insurance company

 

Deductible - What you pay before insurance pays

 

Copay - Set cost for visits or medications

 

Coinsurance - Shared cost after deductible

 

Out-of-Pocket Max – The maximum you’ll possibly spend in a year

 

HMO/PPO – Types of provider networks

 

Formulary - List of medications covered by your plan 

 

Provider Network – Search for providers in your network

 

EOB - Explanation of Benefits from the insurance company. This is not a bill, but rather an explanation of the services you received at the provider’s office and the associated costs.

There are several changes in healthcare due to the One Big Beautiful Bill Act, and these are good reasons to meet with us to ensure your plan is right.

 

Medicaid adjustments & eligibility changes  

  • Work requirements: Adults aged 19–64 must complete at least 80 hours of work, school, or volunteering per month, with some exemptions (e.g., caregivers, individuals with medical conditions).   
  • Service fees: Enrollees with income between 100–138% of the federal poverty level may now pay up to $35 per person for healthcare.   
  • More frequent eligibility checks: Medicaid eligibility reviews are now required every six months, rather than annually.  
  • Provider reimbursements: States can no longer use state contributions to pay Medicaid providers more than Medicare rates.  

Broader effects: What might this mean for you?  

  • Increased uninsured rates: The Congressional Budget Office estimates that OBBBA and related changes could result in 16 million additional uninsured people by 2034, including 7.8 million due to Medicaid revisions and 3.1 million due to Marketplace changes.  
  • Impact in Idaho: According to Families USA, at least 49,000 Idahoans could lose health coverage, and the uninsured rate may increase by up to 30%.   

What this means for open enrollment planning  

Given these shifts, some changes may affect Medicaid eligibility or Marketplace subsidies. Here’s how we suggest proceeding:  

  • Act early: Give yourself time to plan for a reduction in tax credits and cost-sharing subsidies.  
  • Review plans and subsidies: Re-assess eligibility for tax credits, cost-sharing reductions, or Medicaid.  
  • Advocate for eligibility clarifications: There are more eligibility verification requirements. Early enrollment will ensure a timely approval.   
  • Explore alternatives: For those impacted, consider plans outside the exchange or check for special enrollment eligibility due to life events.  

 

Medicare

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What is Medicare?

Medicare is a federal health insurance program for people 65 or older. It helps cover hospital stays, doctor visits, and prescription medications.

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Medicare Part A (Hospital Insurance)
Covers hospital stays, skilled nursing facility care, hospice care, and some home health care.
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Medicare Part B (Medical Insurance)
Covers doctor visits, outpatient care, medical supplies, and preventive services.
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Medicare Part C (Medicare Advantage Plans)
Offered by private companies, these plans include Parts A and B, often Part D, and extra benefits like vision, dental, and hearing.
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Medicare Part D (Prescription Drug Coverage)
Helps cover prescription medication costs. This plan can be added to Original Medicare (Parts A and B).

What are my Medicare coverage options?

Original Medicare (Parts A and B)

Original Medicare includes Part A and Part B. You can add a Medicare drug plan (Part D) for prescription coverage. You can use any doctor or hospital that accepts Medicare anywhere in the U.S. To help with out-of-pocket costs in Original Medicare, you can buy supplemental coverage like Medicare Supplement Insurance (Medigap) or have coverage from a former employer, union, or Medicaid.

Medicare Advantage (Part C)

Medicare Advantage is a Medicare-approved plan from a private company that offers an alternative to Original Medicare for health and drug coverage. These bundled plans include Part A, Part B, and usually Part D. Most plans require you to use doctors in their network. They may have lower out-of-pocket costs than Original Medicare and offer extra benefits like vision, hearing, and dental services.

Can I get additional coverage?

You can buy a Medigap policy, which is extra insurance from private companies to help pay your share of costs in Original Medicare (Parts A and B). You can also buy additional drug and health plans. To do so, you must:

•    Have Medicare Part A and B.
•    Live in the plan's service area.
•    Be a U.S. citizen or lawfully present.
•    Have your Medicare number and Part A/B coverage start dates.

Book a meeting: Medicare
When can I sign up for Medicare?

You should generally sign up when you turn 65. If you are employed and have health insurance or need to know how Medicare works with other types of insurance, talk to your employer or health insurance provider.

When does Medicare coverage start?

It depends on the month you signed up during your Initial Enrollment Period.

How do I sign up for Medicare?

Sometimes, you are automatically enrolled in Medicare Part A and Part B; other times, you need to sign up. Talk to your employer or health insurance provider if you have questions about signing up for Medicare.

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Disclaimer: We do not offer every Medicare plan available. The information we provide is specific to the Medicare plans we offer in your area. For your options, please visit www.medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Program (SHIP).