Health Insurance

The right health plan, explained in plain language.

Deductibles, networks, subsidies, enrollment windows — we translate the fine print and match you to coverage that actually fits your health and your budget. Independent guidance, no cost to compare.

Talk to a health advisor See plan types

A family visiting a friendly doctor in a bright clinic

What we cover

Health coverage for every stage of life.

Whatever your situation, we’ll compare the market and find the plan that fits.

Individual & Family

ACA marketplace and private plans, with help claiming every subsidy and tax credit you qualify for.

Medicare

Advantage, Supplement (Medigap), and Part D drug plans — the alphabet soup, finally clear.

Short-Term

Bridge coverage between jobs, after graduation, or while you wait for a plan to begin.

Small-Group & Business

Employee benefit plans for small and mid-size employers who want to take care of their team.

Dental & Vision

Stand-alone or add-on plans that round out coverage for the whole family.

Supplemental

Accident, critical illness, and hospital indemnity plans that cover the gaps your main plan leaves.

Who we help

Coverage for every stage and situation.

Your health needs change over the years. Wherever you are right now, there’s a plan that fits — and a real advisor to help you find it.

Individuals & families

From a first solo plan to covering the whole household, we match you to marketplace or private coverage that fits your doctors and your budget.

Self-employed & small business

1099 contractors, freelancers, and small employers — we compare individual, group, and association options so you can cover yourself and your team.

Approaching 65 & Medicare

We map your Medicare timeline, compare Advantage and Supplement, and make sure you enroll on time and penalty-free.

Life in transition

Between jobs, aging off a parent’s plan, newly married, or expecting? We find coverage for the change you’re navigating.

How it works

A simple path to the right health plan.

We listen

Tell us about your household, your doctors, your prescriptions, and your budget — no pressure, no jargon.

We compare

We shop the whole market, marketplace and private, and translate the fine print into a few clear options.

We enroll & stay

We handle enrollment, then stay on for subsidy questions, network checks, claims help, and every renewal.

Why Port Bay

Why families choose Port Bay for health coverage.

We’re independent, so we compare the whole market — not one company’s shelf. And we’re here after you enroll, for claims questions and every renewal.

Common questions

Health insurance, answered.

When can I enroll or switch plans?

Open enrollment runs each fall, but major life events — a move, marriage, new baby, or job change — open a special enrollment window. Medicare has its own timeline around your 65th birthday. We’ll tell you exactly which windows apply to you.

Does it cost anything to work with you?

No. Comparing plans and enrolling through Port Bay is free — we’re compensated by the insurance carriers, and your premium is the same whether you use an agent or not.

Can you help me keep my doctor?

Yes. Before you enroll, we check each plan’s network so your preferred doctors, specialists, and prescriptions are covered wherever possible.

I’m turning 65 — where do I start?

Start with a conversation. We’ll map your Medicare timeline, compare Advantage vs. Supplement, and make sure you enroll on time to avoid lifelong penalties.

See all frequently asked questions →