BlueCross BlueShield
CVS Health
United Healthcare

Marketplace ACA Coverage


Are you eligible for low or no cost health insurance?

Are you paying too much or not getting all the benefits you should be getting?

Find more insurance options with less effort and stress!

Let’s explore a few compelling reasons why having a health plan is essential for everyone.

1. Affordable health insurance: Financial concerns often deter people from getting insured. However, financial assistance has made health insurance more accessible than ever before. Some individuals may qualify for premiums as low as $0 per month, and savings are available across different income levels.

2. Protection against catastrophic medical expenses: Even with a healthy lifestyle, accidents and unexpected illnesses can occur, leading to overwhelming medical bills. Emergency care costs far exceed the amount you would pay for health insurance coverage. 

3. Health insurance promotes wellness: In addition to financial protection, health insurance plays a vital role in maintaining good health. 

4. Reduced out-of-pocket costs: Health insurance not only provides coverage after reaching the deductible but also offers savings on out-of-pocket expenses even before meeting the deductible. 

Schedule a time for personal assistance or explore options on your own and self-enroll through our direct portal to the Marketplace.



Are you turning 65 or already on Medicare? It’s crucial to explore all the available options in your area to find the Medicare plan that suits your needs. To make an informed decision, you should evaluate your medical insurance requirements, current coverage, budget, and preferred healthcare providers and facilities on an annual basis.

Medicare is divided into different parts:

**Part A: This covers inpatient care in hospitals or specific nursing facilities. It also helps pay for hospice care and home health care.

**Part B: This covers doctor appointments, outpatient services, home health care, medical equipment, and preventive screenings.

**Part C: Also known as Medicare Advantage, Part C is offered through private companies. It combines the coverage of Parts A, B, and often includes Part D (prescription drug coverage). Medicare Advantage plans may provide additional benefits beyond original Medicare, such as dental, vision, or hearing coverage.

**Part D: This focuses specifically on prescription drug coverage and vaccines. Part D plans are offered by private companies, allowing you to select the one that best meets your medication needs.

To help you navigate through Medicare, we offer a free guide to Medicare 2024. This guide will provide valuable information and insights.

You can schedule a free consultation with our experts who can help you explore the best options tailored to your needs. Don’t miss out on finding the right Medicare plan for you.


Off Marketplace Health Plans


Are you looking for alternative options to protect your health that could potentially be cheaper than traditional options?

If you’re in good health and don’t frequently use medical services, there are some plans you may consider. It’s important to note that these plans are suitable for individuals who primarily pay for medical services out of pocket and may result in lower overall costs. However, when choosing a plan with a low premium (monthly cost), it’s crucial to review the plan’s details and understand that the benefits might be less compared to more expensive plans.

Here are a few examples of off-exchange plans that are not qualified health plans (QHPs) and typically don’t comply with ACA requirements found on government marketplaces:

1. Short-term health insurance: This type of insurance provides temporary coverage for a limited period, usually up to 12 months. It may be a suitable option for individuals who need coverage during a gap in their insurance or for those who expect to have minimal healthcare needs.

2. Medical insurance packages (MIPs): These packages offer customized coverage for specific medical services or conditions, allowing you to choose the benefits that align with your needs. They can be a cost-effective solution if you require coverage for a specific set of services.

3. GAP insurance: GAP insurance, also known as supplemental insurance, helps cover the gaps in your primary insurance plan. It can be used to supplement your existing coverage and provide additional financial protection for certain medical expenses.

4. Critical illness insurance: This type of insurance pays a lump sum if you’re diagnosed with a critical illness specified in the policy. It can help cover costs not typically covered by traditional health insurance and provide financial support during challenging times.

5. Medical indemnity insurance: Medical indemnity plans provide you with a fixed cash benefit for covered medical services. You can use the cash benefit as you see fit, whether it’s for medical expenses or other related costs.

There are several benefits to consider when opting for an off-exchange health plan. Shopping outside the federally funded marketplace allows for a more personalized shopping experience. Since you’re buying directly from an insurance provider or broker, the agents are often more knowledgeable about available plans and can offer excellent customer support. This makes it easier for you to find an ideal plan that meets the needs of both yourself and your family. 



A healthy smile can make all the difference in the world! Maintaining good oral health is crucial for overall well-being, as oral exams can detect signs of numerous diseases. Oral health problems are prevalent but preventable issues affecting many Americans. According to the CDC, 80% of Americans experience at least one cavity by age 34, and over 50% exhibit signs of gum disease. These issues are not just about maintaining a pleasant smile. They are interconnected with some health concerns:

  • Diabetes: Gum infections can affect blood sugar control, impacting diabetic patients’ health.
  • Heart Disease: Inflammation from gum disease may contribute to coronary artery disease. Maintaining oral health can reduce this risk.
  • Pregnancy: Research suggests mothers with high oral bacteria levels may pass these onto their children, increasing the child’s risk of tooth decay.
  • Self-esteem: Healthy teeth and gums are crucial for one’s self-esteem and self-perception.

Routine dental care helps catch issues early, avoiding costly treatments later on, while dental insurance provides coverage for preventive care and unexpected problems, ensuring financial security and peace of mind.

If you’re seeking regular and preventative coverage, dental insurance can be a cost-effective solution. It provides coverage for routine dental services, ultimately helping you save money on out-of-pocket expenses. You can compare various dental insurance plans to find the best option for you and your family.

Obtain a free quote today to identify the plan that suits your needs or get quotes and apply below.

Dental & Vision for Individuals

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Dental & Vision for Families

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Dental & Vision for Seniors

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Why Reliable Health Plans is the perfect partner for all your family’s insurance needs

  1. Extensive Expertise: We are the go-to experts in all types of life insurance, whether it’s whole life, indexed universal life, term, final expense, mortgage protection, business key man or split dollar. We also specialize in health insurance, offering coverage options for Medicare, affordable care act plans, off-market plans, and more. And let’s not forget about dental, vision, hearing, and a whole range of additional insurance options.
  2. Comprehensive Coverage Options: We believe in providing you with access to all your options. We scour the market to find the best coverage that suits your unique requirements. You can trust that we’ll present you with a wide array of choices, allowing you to make an informed decision that aligns with your needs and budget.
  3. Customer-Centric Approach: When it comes to our customers, you are our top priority. Your needs, preferences, and peace of mind matter the most to us. We listen attentively, understand your goals, and tailor our recommendations to ensure we meet and exceed your expectations.
  4. Unparalleled Customer Service and Integrity: We take pride in delivering the highest level of customer service and integrity. Our team is dedicated to providing you with a positive and smooth experience throughout your insurance journey. You can count on us to be honest, transparent, and always act in your best interest.
  5. Long-Term Commitment: Our relationship doesn’t end once you’ve locked in your policy. We’ll be here for you and your family for the long haul. Whether you have questions, need assistance with claims, or want to explore additional coverage options in the future, we’re just a phone call away.

Reliable Health Plans will take care of all the searching needed to find your best options and save you valuable time. Our service is dedicated to providing you with a personalized experience, so you can sit back, relax, and leave the toughest part of finding insurance to us.

Choosing Reliable Health Plans means partnering with a team of experts who genuinely care about your well-being. We’re here to guide you, protect your loved ones, and ensure a secure future. Count on us to deliver exceptional service, uphold the highest standards of integrity, and be there for you every step of the way. Together, we’ll build a lasting relationship that extends well beyond the initial policy.

Ready to Get Started?

For more information, or to obtain a free quote…

Call us today at 800-930-9880

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As a full service brokerage, Lentini Insurance will help you:

  • Shop the entire market for the right plan(s) for you, and provide you with premium quotes.
  • Discuss alternatives with you so that you have a clear understanding of your plan choices.
  • Implement the plan you select.
  • Service your account, including solving problems with billing, eligibility and claims.
  • Ease the burden on your time by doing the “legwork” for you.
  • Assist you and your family at any time for years to come