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248<!-- End Google Tag Manager (noscript) --> 249<a 250 class="skip-link screen-reader-text" 251 href="#content" 252 role="link" 253 title="Skip to content"> 254 Skip to content</a> 255 256<div 257class="hfeed site" id="page"> 258 <header 259 class="site-header ast-primary-submenu-animation-fade header-main-layout-1 ast-primary-menu-enabled ast-logo-title-inline ast-hide-custom-menu-mobile ast-builder-menu-toggle-icon ast-mobile-header-inline" id="masthead" itemtype="https://schema.org/WPHeader" itemscope="itemscope" itemid="#masthead" > 260 <div id="ast-desktop-header" data-toggle-type="dropdown"> 261 <div class="ast-above-header-wrap "> 262 <div class="ast-above-header-bar ast-above-header site-header-focus-item" data-section="section-above-header-builder"> 263 <div class="site-above-header-wrap ast-builder-grid-row-container site-header-focus-item ast-container" data-section="section-above-header-builder"> 264 <div class="ast-builder-grid-row ast-builder-grid-row-has-sides 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current-menu-ancestor current-menu-parent menu-item-has-children menu-item-3049"><a href="#" class="menu-link"><span class="ast-icon icon-arrow"></span><span class="menu-text">Products</span><span class="ast-icon icon-arrow"></span><span class="sub-arrow"></span></a><button class="ast-menu-toggle" aria-expanded="false"><span class="screen-reader-text">Menu Toggle</span><span class="ast-icon icon-arrow"></span></button> 276<ul class="sub-menu"> 277 <li id="menu-item-2708" class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-2547 current_page_item menu-item-2708"><a href="https://directinsurancesol.com/health-insurance/" class="menu-link"><span class="ast-icon icon-arrow"></span><span class="menu-text">Health Insurance</span></a></li> <li id="menu-item-1596" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-1596"><a href="https://directinsurancesol.com/supplemental-insurance/" class="menu-link"><span class="ast-icon icon-arrow"></span><span class="menu-text">Supplemental Insurance</span><span class="ast-icon icon-arrow"></span></a><button class="ast-menu-toggle" aria-expanded="false"><span class="screen-reader-text">Menu Toggle</span><span class="ast-icon icon-arrow"></span></button> 278 <ul class="sub-menu"> 279 <li id="menu-item-2914" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2914"><a href="https://directinsurancesol.com/dental-insurance/" class="menu-link"><span class="ast-icon icon-arrow"></span><span class="menu-text">Dental Insurance</span></a></li> <li id="menu-item-2956" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-2956"><a href="https://directinsurancesol.com/vision-insurance/" class="menu-link"><span class="ast-icon icon-arrow"></span><span class="menu-text">Vision Insurance</span></a></li> <li id="menu-item-3044" class="menu-item menu-item-type-post_type menu-item-object-page 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374 div:not(.healthx-bg){width:100%!important;max-width:100%!important} 375 .elementor-widget-html, .elementor-widget-container{width:100%!important;padding:0!important} 376 section.elementor-section:has(#dis-health-hero), .elementor-container:has(#dis-health-hero), .elementor-column:has(#dis-health-hero), .elementor-column-wrap:has(#dis-health-hero), .elementor-widget-wrap:has(#dis-health-hero){margin:0!important;padding:0!important} 377 .dis-healthx-hero-shell .wrap, #disHealthXHero .hero-wrap{max-width:1480px!important;margin:0 auto!important;padding:0 40px!important} 378 @media(max-width:768px){.dis-healthx-hero-shell .wrap, #disHealthXHero .hero-wrap{padding:0 16px!important}} 379</style> 380 381<div class="dis-healthx-hero-shell" id="dis-health-hero"> 382<style> 383.dis-healthx-hero-shell{font-family:'Montserrat',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:#111827;line-height:1.6;-webkit-font-smoothing:antialiased;position:relative;background:#fff;margin:0;padding:0;display:block;overflow:hidden} 384.dis-healthx-hero-shell *{box-sizing:border-box} 385.dis-healthx-hero-shell a{text-decoration:none;color:inherit} 386.dis-healthx-hero-shell button{font-family:'Montserrat',sans-serif} 387.dis-healthx-hero-shell .wrap{max-width:1480px;margin:0 auto;padding:0 40px} 388
389/* ââ Background ââ */ 390.healthx-bg{position:absolute;inset:0;z-index:0;pointer-events:none;overflow:hidden} 391.healthx-dots{position:absolute;inset:0;background-image:radial-gradient(circle,rgba(69,156,151,.10) 1px,transparent 1px);background-size:30px 30px;animation:healthxDotDrift 32s linear infinite} 392.healthx-blob-1{position:absolute;top:-220px;right:-200px;width:700px;height:700px;border-radius:50%;background:radial-gradient(circle,rgba(69,156,151,.10) 0%,transparent 66%);animation:healthxPulse 13s ease-in-out infinite} 393.healthx-blob-2{position:absolute;bottom:-220px;left:-220px;width:620px;height:620px;border-radius:50%;background:radial-gradient(circle,rgba(254,0,0,.055) 0%,transparent 68%);animation:healthxPulse 16s ease-in-out infinite reverse} 394.healthx-ring-1,.healthx-ring-2,.healthx-ring-3{position:absolute;border-radius:50%;border:1px solid rgba(69,156,151,.13);animation:healthxOrbit 20s ease-in-out infinite} 395.healthx-ring-1{top:12%;right:7%;width:320px;height:320px} 396.healthx-ring-2{top:8%;right:3%;width:470px;height:470px;animation-duration:27s;animation-direction:reverse} 397.healthx-ring-3{bottom:16%;left:4%;width:340px;height:340px;border-color:rgba(254,0,0,.07);animation-duration:23s} 398.healthx-line-1,.healthx-line-2{position:absolute;top:0;width:1px;height:100%;background:linear-gradient(to bottom,transparent,rgba(69,156,151,.12),transparent);animation:healthxLine 9s ease-in-out infinite} 399.healthx-line-1{left:20%}.healthx-line-2{right:23%;animation-direction:reverse} 400@keyframes healthxDotDrift{0%{background-position:0 0}100%{background-position:60px 60px}} 401@keyframes healthxPulse{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.14);opacity:.62}} 402@keyframes healthxOrbit{0%,100%{transform:translate(0,0)}25%{transform:translate(-14px,-12px)}50%{transform:translate(0,-22px)}75%{transform:translate(14px,-12px)}} 403@keyframes healthxLine{0%,100%{opacity:1}50%{opacity:.2}} 404.dis-healthx-hero-shell > *:not(.healthx-bg){position:relative;z-index:1} 405 406/* ââ Hero shell ââ */ 407#disHealthXHero{position:relative;overflow:hidden;min-height:480px;background:#fff} 408#disHealthXHero:before{content:'';position:absolute;inset:0;background-image:radial-gradient(circle,rgba(69,156,151,.17) 1px,transparent 1px);background-size:28px 28px;pointer-events:none;animation:healthxHeroDot 24s linear infinite} 409#disHealthXHero:after{content:'';position:absolute;right:-120px;top:-120px;width:520px;height:520px;border-radius:50%;background:radial-gradient(circle,rgba(69,156,151,.11),transparent 70%);animation:healthxHeroGlow 7.5s ease-in-out infinite;pointer-events:none} 410@keyframes healthxHeroDot{0%{background-position:0 0}100%{background-position:28px 28px}} 411@keyframes healthxHeroGlow{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.1);opacity:.72}} 412#disHealthXHero .hero-line{position:absolute;top:0;right:28%;width:1px;height:100%;background:linear-gradient(to bottom,transparent,rgba(69,156,151,.16),transparent);animation:healthxLine 5s ease-in-out infinite} 413#disHealthXHero .hero-orbit{position:absolute;right:14%;top:15%;width:280px;height:280px;border-radius:50%;border:1px solid rgba(69,156,151,.18);animation:healthxOrbit 16s ease-in-out infinite reverse;pointer-events:none} 414#disHealthXHero .slider{position:relative;overflow:hidden} 415#disHealthXHero .track{display:flex;transform:translateX(0);transition:transform .68s cubic-bezier(.22,.61,.36,1)} 416#disHealthXHero .slide{min-width:100%;flex:0 0 100%} 417#disHealthXHero .hero-wrap{width:min(1480px,100%);margin:0 auto;padding:0 40px} 418#disHealthXHero .hero-grid{min-height:420px;display:grid;grid-template-columns:minmax(0,1fr) minmax(430px,.95fr);align-items:center;gap:38px;padding:28px 0 40px} 419 420/* ââ Left col text ââ */ 421#disHealthXHero .kicker{display:inline-flex;align-items:center;gap:8px;border:1px solid rgba(69,156,151,.5);background:rgba(69,156,151,.12);color:#FE0000;border-radius:999px;padding:8px 15px;margin-bottom:18px;font-size:11px;line-height:1;font-weight:700;text-transform:uppercase;letter-spacing:.10em} 422#disHealthXHero .kicker-dot{width:8px;height:8px;border-radius:50%;background:#FE0000;animation:healthxKicker 2s ease-in-out infinite} 423@keyframes healthxKicker{0%,100%{box-shadow:0 0 0 0 rgba(69,156,151,.45)}50%{box-shadow:0 0 0 7px rgba(69,156,151,0)}} 424#disHealthXHero h1{margin:0 0 18px;max-width:720px;color:#111827;font-size:48px;line-height:1.06;letter-spacing:-.045em;font-weight:600} 425#disHealthXHero h1 span{color:#FE0000} 426#disHealthXHero .copy{margin:0 0 28px;max-width:645px;color:#4b5563;font-size:17px;line-height:1.75;font-weight:500} 427#disHealthXHero .actions{display:flex;align-items:center;gap:14px;flex-wrap:wrap;margin-bottom:20px} 428#disHealthXHero .primary{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:56px;padding:16px 29px;border:0;border-radius:14px;background:#FE0000;color:#fff!important;font-size:15px;font-weight:700;box-shadow:0 16px 34px rgba(254,0,0,.22);transition:transform .2s,box-shadow .2s,background .2s;cursor:pointer} 429#disHealthXHero .primary:hover,#disHealthXHero .primary:focus{background:#d90000;color:#fff!important;transform:translateY(-2px);box-shadow:0 20px 42px rgba(254,0,0,.27)} 430#disHealthXHero .secondary{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:52px;padding:14px 8px;color:#FE0000!important;font-size:15px;font-weight:700;white-space:nowrap} 431#disHealthXHero .trust{display:flex;align-items:center;flex-wrap:wrap;gap:10px;margin-top:3px}
432#disHealthXHero .trust span{display:inline-flex;align-items:center;gap:6px;border:1px solid rgba(17,24,39,.09);background:rgba(255,255,255,.84);color:#374151;border-radius:999px;padding:8px 12px;font-size:12px;font-weight:800;backdrop-filter:blur(6px)} 433 434/* ââ Panel (shared) ââ */ 435#disHealthXHero .panel{position:relative;overflow:hidden;min-height:340px;border:1px solid rgba(69,156,151,.22);border-radius:28px;background:linear-gradient(158deg,rgba(255,255,255,.97) 0%,rgba(240,250,249,.92) 100%);padding:28px;box-shadow:0 28px 72px rgba(17,24,39,.09),inset 0 1px 0 rgba(255,255,255,.82);backdrop-filter:blur(12px);transition:min-height .3s ease} 436#disHealthXHero .panel:has(.hx-elig-progress){min-height:260px} 437#disHealthXHero .panel:before{content:'';position:absolute;width:300px;height:300px;right:-130px;top:-130px;border-radius:50%;background:radial-gradient(circle,rgba(69,156,151,.10),transparent 68%);pointer-events:none;z-index:0} 438#disHealthXHero .panel-label{position:relative;z-index:2;color:#459c97;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.13em;margin-bottom:16px} 439#disHealthXHero .note{position:relative;z-index:2;margin-top:12px;color:#6b7280;font-size:11px;line-height:1.55;font-weight:500} 440 441/* ââ Shared dynamic block ââ */ 442#disHealthXHero .eyebrow{margin-bottom:7px;color:#459c97;font-size:10px;line-height:1;font-weight:800;text-transform:uppercase;letter-spacing:.13em} 443#disHealthXHero .dyn-title{margin-bottom:8px;color:#111827;font-size:18px;line-height:1.18;font-weight:800} 444#disHealthXHero .dyn-copy{margin:0;color:#4b5563;font-size:13px;line-height:1.6;font-weight:500} 445#disHealthXHero .dynamic{position:relative;z-index:2;border:1px solid rgba(69,156,151,.16);border-radius:18px;background:linear-gradient(135deg,rgba(69,156,151,.06),rgba(255,255,255,.88));padding:16px;transition:all .3s ease} 446.healthx-action-list{display:grid;gap:7px;margin-top:11px} 447.healthx-action-list span{display:flex;align-items:flex-start;gap:8px;color:#374151;font-size:12.5px;line-height:1.45;font-weight:700} 448.healthx-action-list span:before{content:'\2713';display:flex;align-items:center;justify-content:center;flex:0 0 18px;width:18px;height:18px;border-radius:6px;background:#459c97;color:#fff;font-size:11px;font-weight:800;margin-top:1px} 449 450 451/* ââ Slide 2: ACA subsidy eligibility checker ââ */ 452#disHealthXHero .hx-elig-section{position:relative;z-index:2;margin-bottom:13px;opacity:0;max-height:0;overflow:hidden;transition:opacity .35s ease} 453#disHealthXHero .hx-elig-section.show{opacity:1;max-height:200px;animation:hxEligRise .4s ease} 454@keyframes hxEligRise{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:translateY(0)}} 455#disHealthXHero .hx-elig-label{font-size:12.5px;font-weight:800;color:#111827;margin-bottom:8px;display:flex;align-items:center;gap:7px} 456#disHealthXHero .hx-elig-label .hx-elig-qnum{display:inline-flex;align-items:center;justify-content:center;width:19px;height:19px;border-radius:50%;background:rgba(69,156,151,.14);color:#459c97;font-size:10px;font-weight:900;flex-shrink:0} 457#disHealthXHero .hx-elig-row{display:flex;gap:8px;flex-wrap:wrap} 458#disHealthXHero .hx-elig-btn{border:1px solid rgba(69,156,151,.22);border-radius:999px;background:rgba(255,255,255,.82);color:#459c97;padding:9px 15px;font-size:12px;font-weight:800;cursor:pointer;transition:background .2s,color .2s,transform .2s,border-color .2s,box-shadow .2s} 459#disHealthXHero .hx-elig-btn:hover{border-color:#459c97;transform:translateY(-1px)} 460#disHealthXHero .hx-elig-btn.sel{border-color:#459c97;background:#459c97;color:#fff;box-shadow:0 6px 16px rgba(69,156,151,.28)} 461#disHealthXHero .hx-elig-result{position:relative;z-index:2;border-radius:16px;padding:15px 16px;margin-top:6px;display:none} 462#disHealthXHero .hx-elig-result.show{display:block;animation:hxEligRise .4s ease} 463#disHealthXHero .hx-elig-result.qualify{background:linear-gradient(135deg,rgba(69,156,151,.12),rgba(255,255,255,.9));border:1px solid rgba(69,156,151,.32)} 464#disHealthXHero .hx-elig-result.review{background:linear-gradient(135deg,rgba(254,176,0,.10),rgba(255,255,255,.9));border:1px solid rgba(254,160,0,.28)} 465#disHealthXHero .hx-elig-result.no{background:linear-gradient(135deg,rgba(254,0,0,.07),rgba(255,255,255,.9));border:1px solid rgba(254,0,0,.22)} 466#disHealthXHero .hx-elig-result-title{font-size:14px;font-weight:800;color:#111827;margin-bottom:6px} 467#disHealthXHero .hx-elig-result-body{font-size:12.5px;color:#4b5563;line-height:1.6;font-weight:500} 468#disHealthXHero .hx-elig-tags{display:flex;gap:6px;flex-wrap:wrap;margin-top:10px} 469#disHealthXHero .hx-elig-tag{display:inline-flex;align-items:center;background:#459c97;color:#fff;border-radius:8px;padding:5px 10px;font-size:11px;font-weight:800} 470#disHealthXHero .hx-elig-progress{position:relative;z-index:2;display:flex;gap:5px;margin-bottom:15px} 471#disHealthXHero .hx-elig-progress i{flex:1;height:4px;border-radius:999px;background:rgba(69,156,151,.15);transition:background .3s} 472#disHealthXHero .hx-elig-progress i.done{background:#459c97}
472 473 474/* ââ Slide 1: Interactive enrollment calendar ââ */ 475.hx-cal-wrap{position:relative;z-index:2;border:1px solid rgba(69,156,151,.16);border-radius:20px;background:rgba(255,255,255,.72);padding:16px;box-shadow:0 12px 34px rgba(17,24,39,.055)} 476.hx-cal-track-wrap{position:relative;padding:46px 10px 7px} 477.hx-cal-track{position:relative;z-index:1;height:12px;border-radius:999px;background:rgba(69,156,151,.12);box-shadow:inset 0 1px 2px rgba(17,24,39,.08)} 478.hx-cal-track:after{content:'';position:absolute;inset:0;border-radius:999px;background:linear-gradient(90deg,transparent,rgba(255,255,255,.55),transparent);animation:hxCalRailShine 4s ease-in-out infinite} 479.hx-cal-band{position:absolute;top:0;height:100%;border-radius:999px;background:linear-gradient(90deg,#7ecdc9,#459c97);box-shadow:0 5px 14px rgba(69,156,151,.18)} 480.hx-cal-track,.hx-cal-track:before,.hx-cal-track:after,.hx-cal-band,.hx-cal-months{pointer-events:none} 481.hx-cal-band.b1{left:83%;right:0} 482.hx-cal-band.b2{left:0;width:4%} 483.hx-cal-pin{position:absolute;z-index:6;top:16px;transform:translateX(-50%);width:44px;height:44px;border-radius:50%;border:0;background:transparent;cursor:pointer;padding:0;transition:transform .25s} 484.hx-cal-pin:hover{transform:translateX(-50%) translateY(-2px)} 485.hx-cal-pin:focus-visible{outline:3px solid rgba(69,156,151,.32);outline-offset:3px} 486.hx-cal-pin.sel{transform:translateX(-50%) scale(1.06)} 487.hx-cal-pin-dot{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);display:block;width:26px;height:26px;border-radius:50%;border:2px solid #fff;background:#459c97;box-shadow:0 4px 12px rgba(69,156,151,.35);transition:background .25s,box-shadow .25s,transform .25s} 488.hx-cal-pin:hover .hx-cal-pin-dot{transform:translate(-50%,-50%) scale(1.08)} 489.hx-cal-pin.sel .hx-cal-pin-dot{background:#2d6e6a;box-shadow:0 0 0 7px rgba(69,156,151,.18),0 8px 18px rgba(69,156,151,.4)} 490.hx-cal-pin.today .hx-cal-pin-dot{background:#FE0000;box-shadow:0 4px 12px rgba(254,0,0,.35)} 491.hx-cal-pin.today.sel .hx-cal-pin-dot{background:#d90000;box-shadow:0 0 0 7px rgba(254,0,0,.14),0 8px 18px rgba(254,0,0,.35)} 492.hx-cal-pin.today:before{content:'';position:absolute;inset:-6px;border-radius:50%;border:1.5px solid rgba(254,0,0,.4);animation:hxCalTodayPulse 1.8s ease-in-out infinite} 493.hx-cal-pin-label{position:absolute;top:-21px;left:50%;transform:translateX(-50%);font-size:9px;font-weight:800;color:#FE0000;text-transform:uppercase;letter-spacing:.05em;white-space:nowrap} 494.hx-cal-pin-name{position:absolute;top:-22px;left:50%;transform:translateX(-50%);border:1px solid rgba(69,156,151,.2);border-radius:999px;background:#fff;color:#459c97;padding:3px 8px;font-size:9px;line-height:1;font-weight:900;text-transform:uppercase;letter-spacing:.06em;white-space:nowrap;box-shadow:0 5px 12px rgba(17,24,39,.06);pointer-events:auto;cursor:pointer} 495.hx-cal-pin.sel .hx-cal-pin-name{background:#459c97;border-color:#459c97;color:#fff} 496@keyframes hxCalTodayPulse{0%{transform:scale(1);opacity:.8}100%{transform:scale(1.6);opacity:0}} 497.hx-cal-months{display:flex;justify-content:space-between;margin-top:10px;padding:0 4px} 498.hx-cal-months span{font-size:9.5px;font-weight:800;color:#9ca3af} 499.hx-cal-chip-row{position:relative;z-index:8;display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:14px 0 0} 500.hx-cal-chip{appearance:none;border:1px solid rgba(69,156,151,.22);border-radius:12px;background:#fff;color:#374151;padding:10px 9px;font-size:11px;line-height:1.25;font-weight:900;text-align:center;cursor:pointer;box-shadow:0 8px 18px rgba(17,24,39,.045);transition:background .2s,border-color .2s,color .2s,box-shadow .2s,transform .2s} 501.hx-cal-chip:hover,.hx-cal-chip.sel{background:#459c97;border-color:#459c97;color:#fff;box-shadow:0 12px 24px rgba(69,156,151,.16);transform:translateY(-1px)} 502.hx-cal-chip[data-cal="oep"]:hover,.hx-cal-chip[data-cal="oep"].sel{background:#FE0000;border-color:#FE0000;box-shadow:0 12px 24px rgba(254,0,0,.14)} 503.hx-cal-ribbon{position:relative;z-index:2;display:flex;align-items:center;gap:10px;width:100%;margin:14px 0;border:1.5px solid rgba(69,156,151,.25);border-radius:14px;background:#fff;padding:11px 13px;
503cursor:pointer;text-align:left;transition:border-color .25s,background .25s,box-shadow .25s,transform .25s} 504.hx-cal-ribbon:hover,.hx-cal-ribbon.sel{border-color:#459c97;background:rgba(69,156,151,.07);box-shadow:0 10px 22px rgba(69,156,151,.10);transform:translateY(-1px)} 505.hx-cal-ribbon-dot{flex-shrink:0;width:26px;height:26px;border-radius:50%;background:#459c97;color:#fff;display:flex;align-items:center;justify-content:center;font-size:14px;font-weight:900} 506.hx-cal-ribbon span:last-child{font-size:12px;font-weight:700;color:#374151} 507.hx-cal-detail{position:relative;z-index:2;border:1px solid rgba(69,156,151,.18);border-radius:18px;background:#fff;padding:17px 17px 16px;min-height:118px;box-shadow:0 12px 26px rgba(17,24,39,.05);overflow:hidden} 508.hx-cal-detail:before{content:'';position:absolute;left:0;top:0;bottom:0;width:5px;background:#459c97} 509.hx-cal-detail.is-oep:before{background:#FE0000} 510.hx-cal-detail.is-medicaid:before{background:#2d6e6a} 511@keyframes hxCalRailShine{0%,100%{opacity:.25;transform:translateX(-20%)}50%{opacity:.75;transform:translateX(20%)}} 512 513.hx-window-wrap{position:relative;z-index:2;border:1px solid rgba(69,156,151,.18);border-radius:20px;background:rgba(255,255,255,.78);padding:16px;box-shadow:0 14px 36px rgba(17,24,39,.06)} 514.hx-window-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px} 515.hx-window-card{appearance:none;position:relative;display:block;width:100%;min-height:92px;border:1.5px solid rgba(69,156,151,.20);border-radius:16px;background:#fff;padding:14px;text-align:left;cursor:pointer;box-shadow:0 8px 20px rgba(17,24,39,.045);transition:border-color .2s,background .2s,box-shadow .2s,transform .2s;color:#111827} 516.hx-window-card:hover,.hx-window-card.sel{border-color:#459c97;background:linear-gradient(135deg,rgba(69,156,151,.10),#fff);box-shadow:0 14px 28px rgba(69,156,151,.14);transform:translateY(-1px)} 517.hx-window-card:focus-visible{outline:3px solid rgba(69,156,151,.28);outline-offset:3px} 518.hx-window-card[data-hx-window="oep"]:hover,.hx-window-card[data-hx-window="oep"].sel{border-color:#FE0000;background:linear-gradient(135deg,rgba(254,0,0,.08),#fff);box-shadow:0 14px 28px rgba(254,0,0,.12)} 519.hx-window-code{display:inline-flex;align-items:center;justify-content:center;min-width:42px;height:27px;border-radius:9px;background:#E6F6F5;color:#459c97;font-size:11px;font-weight:900;letter-spacing:.06em;margin-bottom:9px} 520.hx-window-card[data-hx-window="oep"] .hx-window-code{background:#FFEAEA;color:#FE0000} 521.hx-window-card strong{display:block;font-size:14px;line-height:1.25;font-weight:900;color:#111827;margin-bottom:4px} 522.hx-window-card span:last-child{display:block;font-size:11.5px;line-height:1.45;color:#5f6877;font-weight:650} 523.hx-window-detail{position:relative;z-index:2;margin-top:12px;border:1px solid rgba(69,156,151,.18);border-radius:18px;background:#fff;padding:17px 17px 16px;min-height:118px;box-shadow:0 12px 26px rgba(17,24,39,.05);overflow:hidden} 524.hx-window-detail:before{content:'';position:absolute;left:0;top:0;bottom:0;width:5px;background:#459c97} 525.hx-window-detail.is-oep:before{background:#FE0000} 526.hx-window-detail.is-medicaid:before{background:#2d6e6a} 527.hx-window-mini-road{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-top:12px} 528.hx-window-mini-road span{display:flex;align-items:center;justify-content:center;min-height:36px;border-radius:12px;background:rgba(69,156,151,.08);color:#459c97;font-size:10px;font-weight:900;text-align:center;text-transform:uppercase;letter-spacing:.04em} 529 530/* Slide 3 rebuilt calendar timeline */ 531.hx-timeline{position:relative;z-index:3;border:1px solid rgba(69,156,151,.18);border-radius:20px;background:rgba(255,255,255,.86);padding:15px;box-shadow:0 14px 36px rgba(17,24,39,.06);pointer-events:auto} 532.hx-timeline-head{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:10px} 533.hx-timeline-head strong{color:#111827;font-size:12px;font-weight:900} 534.hx-timeline-today{display:inline-flex;align-items:center;gap:6px;border-radius:999px;background:#E6F6F5;color:#459c97;padding:5px 9px;font-size:9.5px;font-weight:900;text-transform:uppercase;letter-spacing:.05em} 535.hx-timeline-today:before{content:'';width:7px;height:7px;border-radius:50%;background:#FE0000;box-shadow:0 0 0 4px rgba(254,0,0,.10)} 536.hx-timeline-months{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:4px} 537.hx-timeline-month{appearance:none;position:relative;display:flex;align-items:center;justify-content:center;height:36px;border:1px solid rgba(69,156,151,.12);border-radius:8px;background:#f7fbfb;color:#7b8492;font-family:'Montserrat',sans-serif;font-size:8px;font-weight:900;text-transform:uppercase;cursor:pointer;transition:background .2s,border-color .2s,color .2s,box-shadow .2s,transform .2s} 538.hx-timeline-month:hover,.hx-timeline-month.sel{border-color:#459c97;background:#fff;color:#111827;box-shadow:0 9px 20px rgba(69,156,151,.14);transform:translateY(-1px)} 539.hx-timeline-month:focus-visible{outline:3px solid rgba(69,156,151,.28);outline-offset:2px} 540.hx-timeline-month:before{content:'';position:absolute;
540left:7px;right:7px;bottom:5px;height:3px;border-radius:999px;background:transparent} 541.hx-timeline-month.aca-oep:before{background:#FE0000} 542.hx-timeline-month.med-ma:before{background:#2d6e6a} 543.hx-timeline-month.med-aep:before{background:#1f5f9f} 544.hx-timeline-month.aca-oep.med-ma:before{background:linear-gradient(90deg,#FE0000 0 50%,#2d6e6a 50% 100%)} 545.hx-timeline-month.aca-oep.med-aep:before{background:linear-gradient(90deg,#FE0000 0 50%,#1f5f9f 50% 100%)} 546.hx-timeline-month.is-current{border-color:#459c97;background:#459c97;color:#fff;box-shadow:0 7px 16px rgba(69,156,151,.22);transform:translateY(-2px)} 547.hx-timeline-month.is-current:after{content:'Today';position:absolute;left:50%;bottom:-13px;transform:translateX(-50%);color:#459c97;font-size:7px;font-weight:900;letter-spacing:.04em} 548.hx-timeline-month.is-current:before{background:#fff} 549.hx-timeline-key{display:flex;align-items:center;gap:12px;margin:18px 0 11px;color:#697281;font-size:9.5px;font-weight:800;flex-wrap:wrap} 550.hx-timeline-key span{display:inline-flex;align-items:center;gap:6px} 551.hx-timeline-key i{width:9px;height:9px;border-radius:3px;background:#459c97} 552.hx-timeline-key span:nth-child(2) i{background:#FE0000} 553.hx-timeline-key span:nth-child(3) i{background:#2d6e6a} 554.hx-timeline-key span:nth-child(4) i{background:#1f5f9f} 555.hx-timeline-options{position:relative;z-index:4;display:grid;grid-template-columns:1fr 1fr;gap:8px;pointer-events:auto} 556.hx-timeline-option{appearance:none;position:relative;z-index:5;display:grid;grid-template-columns:42px 1fr;align-items:center;column-gap:10px;width:100%;min-height:64px;border:1.5px solid rgba(69,156,151,.20);border-radius:14px;background:#fff;padding:10px;text-align:left;color:#111827;cursor:pointer;pointer-events:auto;box-shadow:0 7px 18px rgba(17,24,39,.04);transition:border-color .2s,background .2s,box-shadow .2s,transform .2s} 557.hx-timeline-option:hover,.hx-timeline-option.sel{border-color:#459c97;background:linear-gradient(135deg,rgba(69,156,151,.10),#fff);box-shadow:0 12px 25px rgba(69,156,151,.13);transform:translateY(-1px)} 558.hx-timeline-option:focus-visible{outline:3px solid rgba(69,156,151,.28);outline-offset:2px} 559.hx-timeline-option[data-hx-window="oep"]:hover,.hx-timeline-option[data-hx-window="oep"].sel{border-color:#FE0000;background:linear-gradient(135deg,rgba(254,0,0,.08),#fff);box-shadow:0 12px 25px rgba(254,0,0,.12)} 560.hx-timeline-code{grid-row:1 / span 2;display:flex;align-items:center;justify-content:center;width:42px;height:34px;border-radius:10px;background:#E6F6F5;color:#459c97;font-size:10px;font-weight:900;letter-spacing:.05em} 561.hx-timeline-option[data-hx-window="oep"] .hx-timeline-code{background:#FFEAEA;color:#FE0000} 562.hx-timeline-option strong{display:block;align-self:end;color:#111827;font-size:12px;line-height:1.2;font-weight:900} 563.hx-timeline-option small{display:block;align-self:start;margin-top:3px;color:#6b7280;font-size:9.5px;line-height:1.3;font-weight:700} 564.hx-timeline-detail{position:relative;z-index:2;margin-top:10px;border:1px solid rgba(69,156,151,.18);border-radius:16px;background:#fff;padding:14px 15px 13px;min-height:108px;box-shadow:0 10px 24px rgba(17,24,39,.045);overflow:hidden} 565.hx-timeline-detail:before{content:'';position:absolute;left:0;top:0;bottom:0;width:5px;background:#459c97} 566.hx-timeline-detail.is-oep:before{background:#FE0000} 567.hx-timeline-detail.is-medicaid:before{background:#2d6e6a} 568.hx-timeline-detail.is-medicare-ma:before{background:#2d6e6a} 569.hx-timeline-detail.is-medicare-aep:before{background:#1f5f9f} 570.hx-timeline-road{display:grid;grid-template-columns:repeat(3,1fr);gap:7px;margin-top:10px} 571.hx-timeline-road span{display:flex;align-items:center;justify-content:center;min-height:30px;border-radius:10px;background:rgba(69,156,151,.08);color:#459c97;font-size:8.5px;font-weight:900;text-align:center;text-transform:uppercase;letter-spacing:.04em} 572 573 574/* Slide 3: Metal tier explorer (redesigned â animated coverage gauge + opposing cost bars) */ 575.hx-metal{position:relative;z-index:2} 576.hx-metal-tabs{display:grid;grid-template-columns:repeat(4,1fr);gap:7px;margin-bottom:14px} 577.hx-metal-tab{appearance:none;display:flex;flex-direction:column;align-items:center;gap:6px;border:1.5px solid rgba(17,24,39,.10);border-radius:14px;background:#fff;padding:10px 4px;
577cursor:pointer;color:#111827;box-shadow:0 6px 16px rgba(17,24,39,.04);transition:transform .2s,border-color .2s,box-shadow .2s,background .2s} 578.hx-metal-tab:hover{transform:translateY(-2px)} 579.hx-metal-tab.sel{transform:translateY(-2px);border-color:var(--tier);background:linear-gradient(160deg,var(--tier-soft),#fff);box-shadow:0 12px 22px var(--tier-shadow)} 580.hx-metal-tab:focus-visible{outline:3px solid rgba(69,156,151,.28);outline-offset:2px} 581.hx-metal-tab-mark{width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;background:var(--tier-soft);color:var(--tier);font-size:10px;font-weight:900;letter-spacing:.02em;transition:background .2s,color .2s} 582.hx-metal-tab.sel .hx-metal-tab-mark{background:var(--tier);color:#fff} 583.hx-metal-tab-name{font-size:10px;font-weight:800;text-align:center;line-height:1.15;color:#374151} 584.hx-metal-bronze{--tier:#a9602d;--tier-soft:#f8eadf;--tier-shadow:rgba(169,96,45,.18)} 585.hx-metal-expanded{--tier:#d36e43;--tier-soft:#fff0e8;--tier-shadow:rgba(211,110,67,.18)} 586.hx-metal-silver{--tier:#7c8798;--tier-soft:#eef1f5;--tier-shadow:rgba(124,135,152,.18)} 587.hx-metal-gold{--tier:#b88908;--tier-soft:#fff6d8;--tier-shadow:rgba(184,137,8,.2)} 588.hx-metal-detail{position:relative;border:1px solid rgba(69,156,151,.16);border-radius:18px;background:linear-gradient(160deg,rgba(255,255,255,.97),rgba(250,250,250,.9));padding:17px;overflow:hidden;box-shadow:0 12px 28px rgba(17,24,39,.05)} 589.hx-metal-top{display:grid;grid-template-columns:100px 1fr;gap:15px;align-items:center;margin-bottom:14px} 590.hx-metal-gauge-wrap{position:relative;width:100px;height:100px} 591.hx-metal-gauge-svg{width:100px;height:100px;transform:rotate(-90deg)} 592.hx-metal-gauge-track{fill:none;stroke:rgba(17,24,39,.08);stroke-width:11} 593.hx-metal-gauge-fill{fill:none;stroke:var(--tier,#7c8798);stroke-width:11;stroke-linecap:round;stroke-dasharray:427.3;stroke-dashoffset:427.3;transition:stroke-dashoffset .7s cubic-bezier(.22,.61,.36,1),stroke .3s} 594.hx-metal-gauge-center{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:0 8px} 595.hx-metal-gauge-value{font-size:19px;font-weight:900;color:#111827;line-height:1} 596.hx-metal-gauge-caption{font-size:7px;font-weight:800;color:#9ca3af;text-transform:uppercase;letter-spacing:.03em;margin-top:3px;line-height:1.25} 597.hx-metal-copy-block .dyn-title{margin-bottom:4px;font-size:16px} 598.hx-metal-copy-block .dyn-copy{font-size:12px;line-height:1.55} 599.hx-metal-best{display:inline-block;margin-top:8px;border-radius:8px;background:var(--tier-soft,#eef1f5);color:var(--tier,#7c8798);padding:5px 9px;font-size:9.5px;font-weight:800;transition:background .25s,color .25s} 600.hx-metal-balance{display:grid;gap:10px;padding-top:13px;border-top:1px solid rgba(17,24,39,.08)} 601.hx-metal-balance-row{display:grid;grid-template-columns:120px 1fr 42px;align-items:center;gap:9px} 602.hx-metal-balance-label{font-size:10.5px;font-weight:800;color:#5f6877} 603.hx-metal-balance-track{height:9px;border-radius:999px;background:rgba(17,24,39,.07);overflow:hidden} 604.hx-metal-balance-track i{display:block;height:100%;width:0;border-radius:999px;background:var(--tier,#7c8798);transition:width .7s cubic-bezier(.22,.61,.36,1),background .3s} 605.hx-metal-balance-row b{text-align:right;font-size:9.5px;font-weight:900;color:var(--tier,#7c8798);text-transform:uppercase;transition:color .25s} 606.hx-metal-note{margin:12px 0 0;color:#9aa2ab;font-size:9.5px;line-height:1.5;font-weight:600} 607 608/* Slide 4: Provider network navigator (redesigned â status-card routes with icon badges) */ 609.hx-network{position:relative;z-index:2} 610.hx-network-tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:14px} 611.hx-network-tab{appearance:none;border:1.5px solid rgba(69,156,151,.20);border-radius:12px;background:#fff;color:#459c97;padding:11px 8px;font-size:12px;font-weight:900;letter-spacing:.02em;cursor:pointer;transition:background .2s,color .2s,border-color .2s,transform .2s,box-shadow .2s} 612.hx-network-tab:hover{transform:translateY(-2px)} 613.hx-network-tab.sel{background:linear-gradient(135deg,#459c97,#2d6e6a);border-color:#459c97;color:#fff;transform:translateY(-2px);box-shadow:0 10px 22px rgba(69,156,151,.25)} 614.hx-network-tab:focus-visible{outline:3px solid rgba(69,156,151,.28);outline-offset:2px} 615.hx-network-hub-row{display:flex;align-items:center;gap:14px;margin-bottom:14px} 616.hx-network-you{flex-shrink:0;display:flex;flex-direction:column;align-items:center;justify-content:center;width:74px;height:74px;border-radius:50%;background:linear-gradient(135deg,#459c97,#2d6e6a);color:#fff;box-shadow:0 14px 28px rgba(69,156,151,.28);font-size:15px;font-weight:900} 617.hx-network-you small{font-size:7.5px;font-weight:800;text-transform:uppercase;letter-spacing:.04em;opacity:.8;margin-top:2px} 618.hx-network-hub-copy{flex:1;min-width:0} 619.hx-network-hub-copy .dyn-title{margin-bottom:3px;font-size:16px} 620.hx-network-hub-copy .dyn-copy{font-size:11.5px;line-height:1.5} 621.hx-network-routes{display:grid;gap:8px} 622.hx-network-route{position:relative;display:flex;align-items:center;gap:11px;border:1px solid rgba(17,24,39,.09);border-radius:13px;background:#fff;padding:10px 12px 10px 16px;overflow:hidden;box-shadow:0 6px 16px rgba(17,24,39,.04);transition:border-color .25s,box-shadow .25s,transform .25s} 623.hx-network-route:before{content:'';position:absolute;
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713@media(prefers-reduced-motion:reduce){ 714 .dis-healthx-hero-shell *, .dis-healthx-hero-shell *:before, .dis-healthx-hero-shell *:after{animation:none!important;transition:none!important} 715} 716</style> 717 718<div class="healthx-bg" aria-hidden="true"> 719 <div class="healthx-dots"></div><div class="healthx-blob-1"></div><div class="healthx-blob-2"></div> 720 <div class="healthx-ring-1"></div><div class="healthx-ring-2"></div><div class="healthx-ring-3"></div> 721 <div class="healthx-line-1"></div><div class="healthx-line-2"></div> 722</div> 723 724<section id="disHealthXHero" aria-label="Health insurance help from Direct Insurance Solutions"> 725 <div class="hero-line" aria-hidden="true"></div> 726 <div class="hero-orbit" aria-hidden="true"></div> 727 <div class="slider"> 728 <div class="track" data-healthx-track> 729 730 <!-- ââ SLIDE 1: Enrollment timing ââ --> 731 <section class="slide" aria-label="Enrollment timing"> 732 <div class="hero-wrap"><div class="hero-grid"> 733 <div> 734 <div class="kicker"><span class="kicker-dot"></span> Enrollment Timing</div> 735 <h1>Your best option depends on when you can <span>actually enroll.</span></h1> 736 <p class="copy">Open Enrollment, Special Enrollment Periods, Medicaid, CHIP, and certain temporary options each work differently. We help organize the timing before you compare plans.</p> 737 <div class="actions"> 738 <a class="primary" href="#health-enroll">Review enrollment steps →</a> 739 <a class="secondary" href="tel:18006198959">☎ Ask an agent</a> 740 </div> 741 <div class="trust">
742 <span><b style="color:#459c97">✓</b> Open Enrollment</span> 743 <span><b style="color:#459c97">✓</b> Special Enrollment</span> 744 <span><b style="color:#459c97">✓</b> Medicaid and CHIP</span> 745 </div> 746 </div> 747 <div class="panel"> 748 <div class="panel-label">Explore the enrollment calendar</div> 749 <div class="hx-timeline" data-hx-calendar> 750 <div class="hx-timeline-head"> 751 <strong>ACA + Medicare enrollment timeline</strong> 752 <span class="hx-timeline-today" data-hx-current-date>Current month</span> 753 </div> 754 <div class="hx-timeline-months" role="group" aria-label="Choose a month to review enrollment options"> 755 <button type="button" class="hx-timeline-month aca-oep med-ma" data-hx-month="0" aria-label="January enrollment options">Jan</button> 756 <button type="button" class="hx-timeline-month med-ma" data-hx-month="1" aria-label="February enrollment options">Feb</button> 757 <button type="button" class="hx-timeline-month med-ma" data-hx-month="2" aria-label="March enrollment options">Mar</button> 758 <button type="button" class="hx-timeline-month" data-hx-month="3" aria-label="April enrollment options">Apr</button> 759 <button type="button" class="hx-timeline-month" data-hx-month="4" aria-label="May enrollment options">May</button> 760 <button type="button" class="hx-timeline-month" data-hx-month="5" aria-label="June enrollment options">Jun</button> 761 <button type="button" class="hx-timeline-month" data-hx-month="6" aria-label="July enrollment options">Jul</button> 762 <button type="button" class="hx-timeline-month" data-hx-month="7" aria-label="August enrollment options">Aug</button> 763 <button type="button" class="hx-timeline-month" data-hx-month="8" aria-label="September enrollment options">Sep</button> 764 <button type="button" class="hx-timeline-month med-aep" data-hx-month="9" aria-label="October enrollment options">Oct</button> 765 <button type="button" class="hx-timeline-month aca-oep med-aep" data-hx-month="10" aria-label="November enrollment options">Nov</button> 766 <button type="button" class="hx-timeline-month aca-oep med-aep" data-hx-month="11" aria-label="December enrollment options">Dec</button> 767 </div> 768 <div class="hx-timeline-key" aria-hidden="true"> 769 <span><i></i> Current month</span> 770 <span><i></i> ACA OEP</span> 771 <span><i></i> Medicare Advantage OEP</span> 772 <span><i></i> Medicare AEP</span> 773 </div> 774 <div class="hx-timeline-options" role="group" aria-label="Choose an enrollment window"> 775 <button type="button" class="hx-timeline-option sel" data-hx-window="sep" aria-pressed="true"> 776 <span class="hx-timeline-code">SEP</span><strong>Special Enrollment</strong><small>After a qualifying life event</small> 777 </button> 778 <button type="button" class="hx-timeline-option" data-hx-window="oep" aria-pressed="false"> 779 <span class="hx-timeline-code">OEP</span><strong>Open Enrollment</strong><small>Main annual ACA window</small> 780 </button> 781 <button type="button" class="hx-timeline-option" data-hx-window="medicaid" aria-pressed="false"> 782 <span class="hx-timeline-code">ANY</span><strong>Medicaid & CHIP</strong><small>Year-round if eligible</small> 783 </button> 784 <button type="button" class="hx-timeline-option" data-hx-window="offcycle" aria-pressed="false"> 785 <span class="hx-timeline-code">OFF</span><strong>Outside OEP</strong><small>Check other available paths</small> 786 </button> 787 </div> 788 <div class="hx-timeline-detail"> 789 <div class="eyebrow" data-hx-cal-eyebrow>Selected window</div> 790 <div class="dyn-title" data-hx-cal-title>Special Enrollment Period</div> 791 <p class="dyn-copy" data-hx-cal-copy>
791A qualifying life event, such as job loss, marriage, a new child, or moving, can open a new enrollment window outside the usual dates.</p> 792 <div class="healthx-action-list" data-hx-cal-tags> 793 <span>Life event required</span> 794 <span>Often a 60-day window</span> 795 </div> 796 <div class="hx-timeline-road" aria-hidden="true"> 797 <span>Check timing</span> 798 <span>Gather details</span> 799 <span>Compare plans</span> 800 </div> 801 </div> 802 </div> 803 <p class="note">Enrollment windows and effective dates depend on your location, eligibility, carrier, and application timing.</p> 804 </div> 805 </div></div> 806 </section> 807 808 <!-- ââ SLIDE 2: ACA eligibility checker ââ --> 809 <section class="slide" aria-label="ACA subsidy eligibility checker"> 810 <div class="hero-wrap"><div class="hero-grid"> 811 <div> 812 <div class="kicker"><span class="kicker-dot"></span> ACA Eligibility Check</div> 813 <h1>See if you may qualify for ACA subsidies <span>before you apply.</span></h1> 814 <p class="copy">Marketplace subsidies generally depend on lawful presence, household income relative to the Federal Poverty Level, and whether you already have access to affordable employer or public coverage. Answer a few quick questions to see where you may stand.</p> 815 <div class="actions"> 816 <button class="primary" type="button" onclick="healthHeroScrollQuote()">Check my full quote →</button> 817 <a class="secondary" href="tel:18006198959">☎ Ask an agent</a> 818 </div> 819 <div class="trust"> 820 <span><b style="color:#459c97">✓</b> Income-based subsidies</span> 821 <span><b style="color:#459c97">✓</b> Lawful presence required</span> 822 <span><b style="color:#459c97">✓</b> State marketplace rules apply</span> 823 </div> 824 </div> 825 <div class="panel"> 826 <div class="panel-label">✓ ACA Subsidy Eligibility Checker</div> 827 <div class="hx-elig-progress" id="hxEligProgress" aria-hidden="true"><i></i><i></i><i></i><i></i></div> 828 829 <div class="hx-elig-section show" data-hx-q="present"> 830 <span class="hx-elig-label"><span class="hx-elig-qnum">1</span> Are you lawfully present in the U.S.?</span> 831 <div class="hx-elig-row"> 832 <button type="button" class="hx-elig-btn" data-elig="present" data-val="yes">Yes</button> 833 <button type="button" class="hx-elig-btn" data-elig="present" data-val="no">No</button> 834 </div> 835 </div> 836 837 <div class="hx-elig-section" data-hx-q="employer"> 838 <span class="hx-elig-label"><span class="hx-elig-qnum">2</span> Do you have access to affordable employer coverage?</span> 839 <div class="hx-elig-row"> 840 <button type="button" class="hx-elig-btn" data-elig="employer" data-val="yes">Yes</button> 841 <button type="button" class="hx-elig-btn" data-elig="employer" data-val="no">No</button> 842 </div> 843 </div> 844 845 <div class="hx-elig-section" data-hx-q="public"> 846 <span class="hx-elig-label"><span class="hx-elig-qnum">3</span> Are you already eligible for Medicaid or Medicare?</span> 847 <div class="hx-elig-row"> 848 <button type="button" class="hx-elig-btn" data-elig="public" data-val="yes">Yes</button> 849 <button type="button" class="hx-elig-btn" data-elig="public" data-val="no">No</button> 850 </div> 851 </div> 852 853 <div class="hx-elig-section" data-hx-q="income"> 854 <span class="hx-elig-label"><span class="hx-elig-qnum">4</span> Where does your household income fall?</span> 855 <div class="hx-elig-row"> 856 <button type="button" class="hx-elig-btn" data-elig="income" data-val="below">Below 100% FPL</button> 857 <button type="button" class="hx-elig-btn" data-elig="income" data-val="mid">100%–400% FPL</button> 858 <button type="button" class="hx-elig-btn" data-elig="income" data-val="above">Above 400% FPL</button> 859 </div> 860 </div> 861 862 <div class="hx-elig-result" data-hx-elig-result></div> 863 <p class="note">This checker is educational only. Actual subsidy amounts and eligibility depend on your state, exact income, household size, and current Marketplace rules.</p> 864 </div> 865 </div></div> 866 </section> 867 868 <!-- ââ SLIDE 3: Metal tiers ââ --> 869<section class="slide" aria-label="Health plan metal tiers"> 870 <div class="hero-wrap"><div class="hero-grid"> 871 <div> 872 <div class="kicker"><span class="kicker-dot"></span> Plan Metal Tiers</div> 873 <h1>Choose how you want to balance premiums and <span>costs when you use care.</span></h1> 874 <p class="copy">Bronze, Expanded Bronze, Silver, and Gold plans cover the same essential health benefit categories, but divide costs differently between you and the insurance plan.</p> 875 <div class="actions"> 876 <button class="primary" type="button" onclick="healthHeroScrollQuote()">Compare health plans →</button> 877 <a class="secondary" href="tel:18006198959">☎ Ask an agent</a> 878 </div> 879 <div class="trust">
880 <span><b style="color:#459c97">✓</b> Premium balance</span> 881 <span><b style="color:#459c97">✓</b> Cost-sharing levels</span> 882 <span><b style="color:#459c97">✓</b> Same quality standards</span> 883 </div> 884 </div> 885 <div class="panel"> 886 <div class="panel-label">Select a metal tier to compare</div> 887 <div class="hx-metal"> 888 <div class="hx-metal-tabs" role="group" aria-label="Choose a health plan metal tier"> 889 <button type="button" class="hx-metal-tab hx-metal-bronze" data-hx-metal="bronze" aria-pressed="false"> 890 <span class="hx-metal-tab-mark">BRZ</span><span class="hx-metal-tab-name">Bronze</span> 891 </button> 892 <button type="button" class="hx-metal-tab hx-metal-expanded" data-hx-metal="expanded" aria-pressed="false"> 893 <span class="hx-metal-tab-mark">EB</span><span class="hx-metal-tab-name">Expanded<br>Bronze</span> 894 </button> 895 <button type="button" class="hx-metal-tab hx-metal-silver sel" data-hx-metal="silver" aria-pressed="true"> 896 <span class="hx-metal-tab-mark">SLV</span><span class="hx-metal-tab-name">Silver</span> 897 </button> 898 <button type="button" class="hx-metal-tab hx-metal-gold" data-hx-metal="gold" aria-pressed="false"> 899 <span class="hx-metal-tab-mark">GLD</span><span class="hx-metal-tab-name">Gold</span> 900 </button> 901 </div> 902 <div class="hx-metal-detail" data-hx-metal-detail style="--tier:#7c8798;--tier-soft:#eef1f5"> 903 <div class="hx-metal-top"> 904 <div class="hx-metal-gauge-wrap"> 905 <svg class="hx-metal-gauge-svg" viewBox="0 0 180 180" aria-hidden="true"> 906 <circle class="hx-metal-gauge-track" cx="90" cy="90" r="68"></circle> 907 <circle class="hx-metal-gauge-fill" data-hx-metal-gauge-fill cx="90" cy="90" r="68"></circle> 908 </svg> 909 <div class="hx-metal-gauge-center"> 910 <div class="hx-metal-gauge-value" data-hx-metal-share>70%</div> 911 <div class="hx-metal-gauge-caption">plan pays<br>on average</div> 912 </div> 913 </div> 914 <div class="hx-metal-copy-block"> 915 <div class="eyebrow">Selected metal tier</div> 916 <div class="dyn-title" data-hx-metal-title>Silver</div> 917 <p class="dyn-copy" data-hx-metal-copy>A middle-ground tier. Eligible Marketplace members must choose Silver to receive cost-sharing reductions that can lower deductibles and other out-of-pocket costs.</p> 918 <span class="hx-metal-best" data-hx-metal-best>Best for: most households</span> 919 </div> 920 </div> 921 <div class="hx-metal-balance"> 922 <div class="hx-metal-balance-row"><span class="hx-metal-balance-label">Monthly premium</span><span class="hx-metal-balance-track"><i data-hx-metal-premium style="width:52%"></i></span><b data-hx-metal-premium-label>Mid</b></div> 923 <div class="hx-metal-balance-row"><span class="hx-metal-balance-label">Cost when you use care</span><span class="hx-metal-balance-track"><i data-hx-metal-care style="width:52%"></i></span><b data-hx-metal-care-label>Mid</b></div> 924 </div> 925 <p class="hx-metal-note">Metal tiers describe average cost sharing, not care quality. Actual premiums, deductibles, benefits, and networks vary by plan.</p> 926 </div> 927 </div> 928 </div> 929 </div></div> 930 </section> 931 932 <!-- ââ SLIDE 4: Provider networks ââ --> 933<section class="slide" aria-label="Health plan network types"> 934 <div class="hero-wrap"><div class="hero-grid"> 935 <div> 936 <div class="kicker"><span class="kicker-dot"></span> Provider Networks</div> 937 <h1>
937Your network determines how you reach doctors, specialists, and <span>out-of-network care.</span></h1> 938 <p class="copy">HMO, PPO, and EPO plans can differ in referral requirements, provider flexibility, and whether non-emergency care outside the network is covered.</p> 939 <div class="actions"> 940 <button class="primary" type="button" onclick="healthHeroScrollQuote()">Check plans and doctors →</button> 941 <a class="secondary" href="tel:18006198959">☎ Ask an agent</a> 942 </div> 943 <div class="trust"> 944 <span><b style="color:#459c97">✓</b> Doctor access</span> 945 <span><b style="color:#459c97">✓</b> Referral rules</span> 946 <span><b style="color:#459c97">✓</b> Network costs</span> 947 </div> 948 </div> 949 <div class="panel"> 950 <div class="panel-label">Select a network to redraw the access map</div> 951 <div class="hx-network"> 952 <div class="hx-network-tabs" role="group" aria-label="Choose a provider network type"> 953 <button type="button" class="hx-network-tab sel" data-hx-network="hmo" aria-pressed="true">HMO</button> 954 <button type="button" class="hx-network-tab" data-hx-network="ppo" aria-pressed="false">PPO</button> 955 <button type="button" class="hx-network-tab" data-hx-network="epo" aria-pressed="false">EPO</button> 956 </div> 957 <div class="hx-network-hub-row"> 958 <div class="hx-network-you">YOU<small>member</small></div> 959 <div class="hx-network-hub-copy"> 960 <div class="dyn-title" data-hx-network-title>HMO</div> 961 <p class="dyn-copy" data-hx-network-copy>HMOs commonly coordinate care through a primary doctor and may require referrals before specialist visits.</p> 962 </div> 963 </div> 964 <div class="hx-network-map hmo" data-hx-network-map> 965 <div class="hx-network-routes"> 966 <div class="hx-network-route active" data-hx-route="pcp"> 967 <span class="hx-network-status" aria-hidden="true"></span> 968 <span class="hx-network-node-text"><strong>Primary care doctor</strong><small class="hx-network-badge" data-hx-network-badge>Starting point</small></span> 969 </div> 970 <div class="hx-network-route limited" data-hx-route="specialist"> 971 <span class="hx-network-status" aria-hidden="true"></span> 972 <span class="hx-network-node-text"><strong>Specialist</strong><small class="hx-network-badge" data-hx-network-badge>Referral usually needed</small></span> 973 </div> 974 <div class="hx-network-route blocked" data-hx-route="outside"> 975 <span class="hx-network-status" aria-hidden="true"></span> 976 <span class="hx-network-node-text"><strong>Out of network</strong><small class="hx-network-badge" data-hx-network-badge>Generally not covered</small></span> 977 </div> 978 </div> 979 </div> 980 <div class="hx-network-detail"> 981 <div class="eyebrow">What this means for you</div> 982 <div class="hx-network-facts" data-hx-network-facts><span>PCP commonly required</span><span>Referrals may apply</span><span>In-network focus</span></div> 983 </div> 984 </div> 985 <p class="note">Network rules vary by carrier and plan. Emergency care protections and state requirements may apply.</p> 986 </div> 987 </div></div> 988 </section> 989 990 </div> 991 </div> 992 993 <div class="nav" aria-label="Hero slide navigation"> 994 <button type="button" class="nav-arrow" data-healthx-prev aria-label="Previous slide">←</button> 995 <button type="button" class="nav-dot active" data-healthx-dot="0" aria-label="Slide 1"></button> 996 <button type="button" class="nav-dot" data-healthx-dot="1" aria-label="Slide 2"></button> 997 <button type="button" class="nav-dot" data-healthx-dot="2" aria-label="Slide 3"></button> 998 <button type="button" class="nav-dot" data-healthx-dot="3" aria-label="Slide 4"></button> 999 <button type="button" class="nav-arrow" data-healthx-next aria-label="Next slide">→</button> 1000 </div> 1001 <div class="wave" aria-hidden="true"> 1002 <svg viewBox="0 0 1440 60" xmlns="http://www.w3.org/2000/svg" preserveAspectRatio="none" style="display:block;width:100%;height:60px"><path d="M0,30 C240,60 480,0 720,30 C960,60 1200,0 1440,30 L1440,60 L0,60 Z" fill="#f8f8f8"/></svg> 1003 </div> 1004</section> 1005 1006<div class="healthx-stats" aria-label="Health page stats"> 1007 <div class="healthx-stat"><div class="healthx-stat-n">38</div><div class="healthx-stat-l">States served</div></div> 1008 <div class="healthx-stat"><div class="healthx-stat-n">ACA</div><div class="healthx-stat-l">Marketplace help</div></div> 1009 <div class="healthx-stat"><div class="healthx-stat-n">25+</div><div class="healthx-stat-l">Years experience</div></div> 1010 <div class="healthx-stat"><div class="healthx-stat-n">A+</div><div class="healthx-stat-l">BBB rated</div></div> 1011</div> 1012 1013<section class="healthx-intro"> 1014 <div class="wrap"> 1015 <div class="healthx-intro-card"> 1016 <div class="healthx-intro-inner"> 1017 <div class="healthx-intro-bar"></div> 1018 <div> 1019 <p class="healthx-intro-title">Health insurance should feel clear before you apply.</p> 1020 <p class="healthx-intro-copy">Choosing a health plan can feel overwhelming when every option has different premiums, deductibles, doctor networks, prescription coverage, subsidies, and enrollment rules. We help you understand what each plan type means, what information you may
1020need before applying, and how your household size, income, doctors, medications, and coverage goals can affect your options.</p> 1021 <a class="healthx-intro-btn" href="#health-quote" onclick="healthHeroScrollQuote();return false;">Start comparing options →</a> 1022 </div> 1023 </div> 1024 </div> 1025 </div> 1026</section> 1027
1028<script> 1029(function(){ 1030 var root=document.getElementById('disHealthXHero'); 1031 if(!root)return; 1032 var track=root.querySelector('[data-healthx-track]'); 1033 var slides=root.querySelectorAll('.slide'); 1034 var dots=root.querySelectorAll('[data-healthx-dot]'); 1035 var prev=root.querySelector('[data-healthx-prev]'); 1036 var next=root.querySelector('[data-healthx-next]'); 1037 var cur=0,busy=false; 1038 1039 /* ââ Slide 3: metal tier explorer ââ */ 1040 var METAL_INFO={ 1041 bronze:{title:'Bronze',copy:'Generally the lowest monthly premium of the four tiers, with higher deductibles and cost sharing when you receive care.',shareNum:60,share:'~60%',premium:25,premiumLabel:'Lower',care:86,careLabel:'Higher',tier:'#a9602d',soft:'#f8eadf',best:'Best for: healthy, rarely need care'}, 1042 expanded:{title:'Expanded Bronze',copy:'A Bronze-level option that may cover additional services before the deductible or offer somewhat more generous cost sharing than standard Bronze.',shareNum:63,share:'~63%',premium:35,premiumLabel:'Low',care:74,careLabel:'Higher',tier:'#d36e43',soft:'#fff0e8',best:'Best for: Bronze budget, more upfront coverage'}, 1043 silver:{title:'Silver',copy:'A middle-ground tier. 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Medicare Advantage Open Enrollment also runs January 1 through March 31 for people already enrolled in a Medicare Advantage plan.',tags:['ACA OEP: Nov 1 – Jan 15','MA OEP: Jan 1 – Mar 31','Medicaid/CHIP may be year-round']}, 1100 {key:'sep',tone:'is-medicare-ma',title:'February: ACA SEP + Medicare Advantage OEP',copy:'For ACA health plans, February is generally outside Open Enrollment, so a qualifying life event is usually needed. Medicare Advantage Open Enrollment remains active for eligible Medicare Advantage members.',tags:['ACA usually needs SEP','MA OEP is active','Check life-event timing']}, 1101 {key:'sep',tone:'is-medicare-ma',title:'March: ACA SEP + Medicare Advantage OEP',copy:'For ACA health plans, March is generally outside Open Enrollment, so a Special Enrollment Period is usually the path. 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Medicaid and CHIP can still be checked at any time if your household situation changed.',tags:['Check recent life events','Review household income','Confirm doctor networks']}, 1105 {key:'sep',tone:'',title:'July: Special Enrollment or Medicaid',copy:'ACA plan enrollment usually requires a qualifying life event during July. If income, household size, or coverage status changed, Medicaid or CHIP may al
1105so be worth reviewing.',tags:['SEP if eligible','Medicaid/CHIP year-round','Update household details']}, 1106 {key:'sep',tone:'',title:'August: Prepare before fall enrollment',copy:'August is usually outside ACA Open Enrollment, but it is a smart time to organize doctors, prescriptions, household income, and expected care needs before the fall window.',tags:['Prepare documents','Review plan needs','SEP if eligible']}, 1107 {key:'sep',tone:'',title:'September: Last prep month before Medicare AEP',copy:'ACA enrollment usually still requires SEP eligibility in September. Medicare Annual Enrollment begins the following month, so Medicare clients can start preparing coverage questions now.',tags:['ACA usually needs SEP','Medicare AEP starts Oct 15','List prescriptions and doctors']}, 1108 {key:'sep',tone:'is-medicare-aep',title:'October: Medicare AEP begins',copy:'ACA Open Enrollment starts November 1, so October is mostly preparation for ACA shoppers. Medicare Annual Enrollment runs October 15 through December 7.',tags:['Medicare AEP: Oct 15 – Dec 7','ACA OEP starts Nov 1','Prepare income and doctors']}, 1109 {key:'oep',tone:'is-medicare-aep',title:'November: ACA OEP + Medicare AEP',copy:'November is a key enrollment month. ACA Marketplace Open Enrollment is active, and Medicare Annual Enrollment continues for people reviewing Medicare Advantage or Part D options.',tags:['ACA OEP active','Medicare AEP active','Compare before deadlines']}, 1110 {key:'oep',tone:'is-medicare-aep',title:'December: ACA OEP + Medicare AEP deadlines',copy:'December keeps ACA Open Enrollment active, while Medicare Annual Enrollment ends December 7. It is an important month to compare options before deadlines pass.',tags:['Medicare AEP ends Dec 7','ACA OEP continues','Confirm effective dates']} 1111 ]; 1112 var windowButtons=root.querySelectorAll('[data-hx-window]'); 1113 var timelineOptions=root.querySelector('.hx-timeline-options'); 1114 var timelineMonths=root.querySelector('.hx-timeline-months'); 1115 var monthCells=root.querySelectorAll('[data-hx-month]'); 1116 var currentDateLabel=root.querySelector('[data-hx-current-date]'); 1117 var calEyebrow=root.querySelector('[data-hx-cal-eyebrow]'); 1118 var calTitle=root.querySelector('[data-hx-cal-title]'); 1119 var calCopy=root.querySelector('[data-hx-cal-copy]'); 1120 var calTags=root.querySelector('[data-hx-cal-tags]'); 1121 var calDetail=root.querySelector('.hx-timeline-detail'); 1122 function markCurrentMonth(){ 1123 var now=new Date(); 1124 monthCells.forEach(function(el){ 1125 el.classList.toggle('is-current',parseInt(el.getAttribute('data-hx-month'),10)===now.getMonth()); 1126 }); 1127 if(currentDateLabel){ 1128 currentDateLabel.textContent=now.toLocaleDateString('en-US',{month:'short',year:'numeric'}); 1129 } 1130 } 1131 function setSelectedMonth(monthIndex){ 1132 monthCells.forEach(function(el){ 1133 var selected=parseInt(el.getAttribute('data-hx-month'),10)===monthIndex; 1134 el.classList.toggle('sel',selected); 1135 el.setAttribute('aria-pressed',selected?'true':'false'); 1136 }); 1137 } 1138 function selectCal(key,monthIndex){ 1139 var info=CAL_INFO[key]; 1140 if(typeof monthIndex==='number'&&MONTH_INFO[monthIndex]){ 1141 info=MONTH_INFO[monthIndex]; 1142 key=info.key; 1143 setSelectedMonth(monthIndex); 1144 }else{ 1145 setSelectedMonth(-1); 1146 } 1147 if(!info)return; 1148 windowButtons.forEach(function(el){ 1149 var selected=el.getAttribute('data-hx-window')===key; 1150 el.classList.toggle('sel',selected); 1151 el.setAttribute('aria-pressed',selected?'true':'false'); 1152 }); 1153 if(calEyebrow)calEyebrow.textContent=typeof monthIndex==='number'?'Selected month':'Selected window'; 1154 if(calTitle)calTitle.innerHTML=info.title; 1155 if(calCopy)calCopy.innerHTML=info.copy; 1156 if(calTags)calTags.innerHTML=info.tags.map(function(t){return '<span>'+t+'</span>';}).join(''); 1157 if(calDetail){ 1158 calDetail.classList.remove('is-oep','is-medicaid','is-medicare-ma','is-medicare-aep'); 1159 if(key==='oep')calDetail.classList.add('is-oep'); 1160 if(key==='medicaid')calDetail.classList.add('is-medicaid'); 1161 if(info.tone)calDetail.classList.add(info.tone); 1162 } 1163 } 1164 window.healthSelectEnrollWindow=function(key){ 1165 selectCal(key); 1166 }; 1167 if(timelineOptions){ 1168 timelineOptions.addEventListener('click',function(event){ 1169 var el=event.target.closest('[data-hx-window]'); 1170 if(!el||!timelineOptions.contains(el))return; 1171 event.preventDefault(); 1172 event.stopPropagation(); 1173 selectCal(el.getAttribute('data-hx-window')); 1174 }); 1175 } 1176 if(timelineMonths){ 1177 timelineMonths.addEventListener('click',function(event){ 1178 var el=event.target.closest('[data-hx-month]'); 1179 if(!el||!timelineMonths.contains(el))return; 1180 event.preventDefault(); 1181 event.stopPropagation(); 1182 selectCal(null,parseInt(el.getAttribute('data-hx-month'),10)); 1183 }); 1184 } 1185 markCurrentMonth(); 1186 selectCal('sep',new Date().getMonth()); 1187 1188 /* ââ Slide 4: provider network navigator ââ */ 1189 var NETWORK_INFO={ 1190 hmo:{title:'HMO',copy:'HMOs commonly coordinate care through a primary doctor and may require referrals before specialist visits.',facts:['PCP commonly required','Referrals may apply','In-network focus'],routes:{pcp:['active','Starting point'],specialist:['limited','Referral usually needed'],outside:['blocked','Generally not covered']}}, 1191 ppo:{title:'PPO',copy:'PPOs generally provide broader provider flexibility, usually without specialist referrals, and may cover out-of-network care at a higher cost.',facts:['No referral usually','Broader flexibility','Out-of-network option'],routes:{pcp:['active','Optional care partner'],specialist:['active','Direct access'],outside:['limited','Higher member cost']}}, 1192 epo:{title:'EPO',copy:'EPOs commonly allow direct access to in-network specialists but generally do not cover non-emergency out-of-network care.',facts:['No referral often','In-network providers','No routine out-of-network'],routes:{pcp:['active','In-network access'],specialist:['active','Direct access often'],outside:['blocked','Generally not covered']}} 1193 }; 1194 var networkButtons=root.querySelectorAll('[data-hx-network]'); 1195 var networkTabs=root.querySelector('.hx-network-tabs'); 1196 var networkMap=root.querySelector('[data-hx-network-map]'); 1197 var networkRoutes=root.querySelectorAll('[data-hx-route]'); 1198 var networkTitle=root.querySelector('[data-hx-network-title]'); 1199 var networkCopy=root.querySelector('[data-hx-network-copy]'); 1200 var networkFacts=root.querySelector('[data-hx-network-facts]'); 1201 function selectNetwork(key){ 1202 var info=NETWORK_INFO[key]; 1203 if(!info)return;
1204 networkButtons.forEach(function(btn){ 1205 var selected=btn.getAttribute('data-hx-network')===key; 1206 btn.classList.toggle('sel',selected); 1207 btn.setAttribute('aria-pressed',selected?'true':'false'); 1208 }); 1209 if(networkMap)networkMap.className='hx-network-map '+key; 1210 networkRoutes.forEach(function(route){ 1211 var routeKey=route.getAttribute('data-hx-route'); 1212 var routeInfo=info.routes[routeKey]; 1213 route.classList.remove('active','limited','blocked'); 1214 if(routeInfo)route.classList.add(routeInfo[0]); 1215 var badge=route.querySelector('[data-hx-network-badge]'); 1216 if(badge&&routeInfo)badge.textContent=routeInfo[1]; 1217 }); 1218 if(networkTitle)networkTitle.textContent=info.title; 1219 if(networkCopy)networkCopy.textContent=info.copy; 1220 if(networkFacts)networkFacts.innerHTML=info.facts.map(function(fact){return '<span>'+fact+'</span>';}).join(''); 1221 } 1222 if(networkTabs){ 1223 networkTabs.addEventListener('click',function(event){ 1224 var btn=event.target.closest('[data-hx-network]');
1225 if(!btn||!networkTabs.contains(btn))return; 1226 event.preventDefault(); 1227 selectNetwork(btn.getAttribute('data-hx-network')); 1228 }); 1229 } 1230 selectNetwork('hmo'); 1231 1232 /* ââ Slider core ââ */ 1233 function setDots(){dots.forEach(function(d,i){d.classList.toggle('active',i===cur);});} 1234 function go(i){ 1235 if(busy)return;busy=true; 1236 cur=((i%slides.length)+slides.length)%slides.length; 1237 if(track){track.style.transform='translateX(-'+(cur*100)+'%)';} 1238 setDots(); 1239 window.setTimeout(function(){busy=false;},700); 1240 } 1241 if(prev)prev.addEventListener('click',function(){go(cur-1);}); 1242 if(next)next.addEventListener('click',function(){go(cur+1);}); 1243 dots.forEach(function(dot){ 1244 dot.addEventListener('click',function(){go(parseInt(dot.getAttribute('data-healthx-dot'),10)||0);}); 1245 }); 1246 1247 /* ââ ACA eligibility checker ââ */ 1248 var eligState={present:null,employer:null,public:null,income:null}; 1249 var eligQ={present:root.querySelector('[data-hx-q="present"]'),employer:root.querySelector('[data-hx-q="employer"]'),public:root.querySelector('[data-hx-q="public"]'),income:root.querySelector('[data-hx-q="income"]')}; 1250 var eligResult=root.querySelector('[data-hx-elig-result]'); 1251 var eligProgress=root.querySelectorAll('#hxEligProgress i'); 1252 function setEligProgress(n){eligProgress.forEach(function(bar,i){bar.classList.toggle('done',i<n);});} 1253 function resetEligFrom(step){ 1254 var order=['employer','public','income']; 1255 var idx=order.indexOf(step); 1256 if(idx===-1)return; 1257 order.slice(idx).forEach(function(key){ 1258 eligState[key]=null; 1259 if(eligQ[key])eligQ[key].classList.remove('show'); 1260 root.querySelectorAll('[data-elig="'+key+'"]').forEach(function(b){b.classList.remove('sel');}); 1261 }); 1262 } 1263 function showEligResult(cls,title,body,tags){ 1264 if(!eligResult)return; 1265 eligResult.className='hx-elig-result show '+cls; 1266 var tagHtml=tags&&tags.length?'<div class="hx-elig-tags">'+tags.map(function(t){return '<span class="hx-elig-tag">'+t+'</span>';}).join('')+'</div>':''; 1267 eligResult.innerHTML='<div class="hx-elig-result-title">'+title+'</div><div class="hx-elig-result-body">'+body+'</div>'+tagHtml; 1268 } 1269 function hideEligResult(){if(eligResult){eligResult.className='hx-elig-result';eligResult.innerHTML='';}} 1270 function evaluateEligibility(){ 1271 if(eligState.present==='no'){ 1272 setEligProgress(1); 1273 showEligResult('no','Not eligible for Marketplace coverage','ACA Marketplace coverage generally requires lawful presence in the United States. An agent can help you look at other coverage options that may be available to you.',null); 1274 return; 1275 } 1276 if(!eligQ.employer)return; 1277 eligQ.employer.classList.add('show'); 1278 if(eligState.employer===null){setEligProgress(1);hideEligResult();return;} 1279 if(!eligQ.public)return; 1280 eligQ.public.classList.add('show'); 1281 if(eligState.public===null){setEligProgress(2);hideEligResult();return;} 1282 if(!eligQ.income)return; 1283 eligQ.income.classList.add('show'); 1284 if(eligState.income===null){setEligProgress(3);hideEligResult();return;} 1285 setEligProgress(4); 1286 if(eligState.public==='yes'){ 1287 showEligResult('review','You may already have a coverage path','Medicaid or Medicare eligibility usually takes priority over Marketplace subsidies. An agent can help confirm which program fits your situation best.',['Confirm program rules','Compare benefits']); 1288 }else if(eligState.employer==='yes'){ 1289 showEligResult('review','Employer coverage may limit your subsidy','If your employer plan is considered affordable under ACA rules, you may not qualify for premium tax credits. It can still be worth comparing costs side by side.',['Compare employer plan','Check affordability rule']); 1290 }else if(eligState.income==='below'){ 1291 showEligResult('review','You may qualify for Medicaid instead','Household income below 100% of the Federal Poverty Level often points toward Medicaid rather than Marketplace subsidies, depending on your stateâs rules.',['Check state Medicaid rules','Review household size']); 1292 }else if(eligState.income==='mid'){ 1293 showEligResult('qualify','✓ You may qualify for ACA subsidies','Based on your answers, you may be a strong candidate for premium tax credits through the ACA Marketplace. The exact amount depends on your state, exact income, and household size.',['Estimate subsidy','See plan options']); 1294 }else{ 1295 showEligResult('qualify','✓ You may still qualify for coverage','Income above 400% of the Federal Poverty Level can still qualify for Marketplace coverage, and recent legislation has extended premium tax credits further up the income scale in some years.',['Review current rules','See plan options']); 1296 } 1297 }
1298 root.querySelectorAll('.hx-elig-btn').forEach(function(btn){ 1299 btn.addEventListener('click',function(){ 1300 var field=btn.getAttribute('data-elig'); 1301 eligState[field]=btn.getAttribute('data-val'); 1302 root.querySelectorAll('[data-elig="'+field+'"]').forEach(function(b){b.classList.remove('sel');}); 1303 btn.classList.add('sel'); 1304 if(field==='present'){resetEligFrom('employer');} 1305 if(field==='employer'){resetEligFrom('public');} 1306 if(field==='public'){resetEligFrom('income');} 1307 evaluateEligibility(); 1308 }); 1309 }); 1310 1311 /* ââ Scroll to quote ââ */ 1312 window.healthHeroScrollQuote=function(){ 1313 var el=document.getElementById('health-quote'); 1314 if(el){var y=el.getBoundingClientRect().top+window.pageYOffset-90;window.scrollTo({top:y,behavior:'smooth'});} 1315 else{window.location.hash='health-quote';} 1316 }; 1317 1318})(); 1319</script>
1319 1320</div> 1321 </div> 1322 </div> 1323 <div class="elementor-element elementor-element-body-section-auto e-con-full e-flex e-con e-parent" data-id="body-section-auto" data-element_type="container" data-e-type="container"> 1324 <div class="elementor-element elementor-element-6b14740 elementor-widget elementor-widget-html" data-id="6b14740" data-element_type="widget" data-e-type="widget" data-widget_type="html.default"> 1325 <link rel="preconnect" href="https://fonts.googleapis.com"> 1326<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin> 1327<link href="https://fonts.googleapis.com/css2?family=Montserrat:wght@400;500;600;700;800&display=swap" rel="stylesheet"> 1328<link href="https://fonts.googleapis.com/css2?family=Playfair+Display:wght@600;700&display=swap" rel="stylesheet"> 1329 1330<div class="dis-health-body" id="dis-health-body"> 1331<style> 1332.dis-health-body{font-family:'Montserrat',-apple-system,BlinkMacSystemFont,'Segoe 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healthDotPulse{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.4);opacity:.7}} 1340.health-title{font-weight:800;font-size:32px;color:#111827;margin-bottom:18px;line-height:1.18;letter-spacing:-.3px} 1341.health-title.play{font-family:'Playfair Display',serif;font-weight:700;letter-spacing:0} 1342.health-copy{font-size:16px;color:#666;line-height:1.75;max-width:760px;margin:0 0 32px} 1343.health-reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease} 1344.health-reveal.visible{opacity:1;transform:none} 1345#health-fit.health-reveal,#health-enroll.health-reveal,#health-faq.health-reveal{transform:none} 1346.health-bg{position:absolute;inset:0;z-index:0;pointer-events:none;overflow:hidden} 1347.health-bg-dots{position:absolute;inset:0;background-image:radial-gradient(circle,rgba(69,156,151,.18) 1px,transparent 1px);background-size:32px 32px;animation:healthBodyDots 25s linear infinite} 1348.health-bg-blob1{position:absolute;top:-210px;right:-210px;width:700px;height:700px;border-radius:50%;background:radial-gradient(circle,rgba(69,156,151,.12),transparent 65%);animation:healthBodyPulse 10s ease-in-out infinite} 1349.health-bg-blob2{position:absolute;bottom:-210px;left:-210px;width:600px;height:600px;border-radius:50%;background:radial-gradient(circle,rgba(254,0,0,.07),transparent 65%);animation:healthBodyPulse 14s ease-in-out infinite reverse} 1350@keyframes healthBodyDots{0%{background-position:0 0}100%{background-position:32px 32px}} 1351@keyframes healthBodyPulse{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.18);opacity:.6}} 1352.dis-health-body > *:not(.health-bg){position:relative;z-index:1} 1353.health-sticky-nav{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.88);border-bottom:1px solid rgba(69,156,151,.16);backdrop-filter:blur(12px)} 1354.health-sticky-inner{max-width:1480px;margin:0 auto;padding:10px 40px;display:flex;align-items:center;justify-content:space-between;gap:18px} 1355.health-sticky-title{display:inline-flex;align-items:center;justify-content:center;background:#459c97;color:#fff;border-radius:6px;padding:7px 12px;font-size:12px;font-weight:900;letter-spacing:.04em;text-transform:uppercase;white-space:nowrap} 1356.health-sticky-links{display:flex;align-items:center;gap:8px;overflow-x:auto;padding-bottom:2px} 1357.health-sticky-links a{display:inline-flex;align-items:center;justify-content:center;white-space:nowrap;border:1px solid rgba(69,156,151,.22);background:#fff;border-radius:999px;color:#459c97;padding:8px 12px;font-size:12px;font-weight:800;transition:background .2s,color .2s,transform .2s} 1358.health-sticky-links a:hover{background:#459c97;color:#fff;transform:translateY(-1px)} 1359.health-btn-teal,.health-btn-red,.health-btn-light{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:12px;font-size:14px;font-weight:800;min-height:48px;padding:13px 22px;transition:transform .2s,background .2s,box-shadow .2s,border-color .2s} 1360.health-btn-teal{background:#459c97;color:#fff;box-shadow:0 12px 28px rgba(69,156,151,.22)} 1361.health-btn-teal:hover{background:#2d6e6a;color:#fff;transform:translateY(-2px)} 1362.health-btn-red,.health-btn-red:visited,.health-btn-red:hover,.health-btn-red:focus{background:#FE0000;color:#fff!important;box-shadow:0 12px 28px rgba(254,0,0,.18)} 1363.health-btn-red:hover{background:#d90000;color:#fff!important;transform:translateY(-2px)} 1364.health-btn-light{background:#fff;border:1px solid #e5e7eb;color:#111827} 1365.health-btn-light:hover{border-color:rgba(69,156,151,.36);transform:translateY(-2px)} 1366 1367#health-coverage{background:#fff;padding:72px 0} 1368.health-coverage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px} 1369.health-card{background:#F3F4F6;border:1px solid #e8e6e0;border-radius:14px;padding:26px;
1369display:flex;flex-direction:column;gap:14px;transition:transform .2s,border-color .2s,box-shadow .2s;min-height:278px} 1370.health-card:hover{transform:translateY(-4px);border-color:rgba(69,156,151,.42);box-shadow:0 14px 34px rgba(17,24,39,.08)} 1371.health-card.featured{background:#459c97;border-color:#459c97;color:#fff} 1372.health-icon{width:max-content;min-width:54px;height:44px;padding:0 10px;border-radius:10px;background:#E6F6F5;display:flex;align-items:center;justify-content:center;color:#459c97;font-size:14px;font-weight:900;line-height:1;letter-spacing:.02em;white-space:nowrap;flex-shrink:0} 1373.health-card.red .health-icon{background:#FCEBEB;color:#FE0000} 1374.health-card.purple .health-icon{background:#EEEDFE;color:#534AB7} 1375.health-card.green .health-icon{background:#E1F5EE;color:#0F6E56} 1376.health-card.featured .health-icon{background:rgba(255,255,255,.16);color:#fff} 1377.health-card h3{font-size:17px;font-weight:800;color:#111827;margin:0} 1378.health-card.featured h3{color:#fff} 1379.health-card p{font-size:14px;color:#555;line-height:1.7;margin:0} 1380.health-card.featured p{color:rgba(255,255,255,.86)} 1381.health-card ul{list-style:none;margin:auto 0 0;padding:0;display:grid;gap:7px} 1382.health-card li{font-size:13px;color:#444;display:flex;gap:8px;align-items:flex-start} 1383.health-card.featured li{color:rgba(255,255,255,.92)} 1384.health-check{color:#459c97;font-weight:800}.health-card.red .health-check{color:#FE0000}.health-card.purple .health-check{color:#534AB7}.health-card.green .health-check{color:#0F6E56}.health-card.featured .health-check{color:#fff} 1385 1386#health-fit{background:#fff;padding:72px 0 96px;overflow:visible;min-height:760px} 1387.health-fit-grid{display:grid;grid-template-columns:minmax(0,.95fr) minmax(430px,.78fr);gap:42px;align-items:start;overflow:visible} 1388.health-fit-main{min-width:0} 1389.health-builder{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;align-content:start} 1390.health-build-btn{appearance:none;text-align:left;background:#fff;border:1px solid #e8e6e0;border-radius:14px;padding:18px;cursor:pointer;transition:transform .2s,border-color .2s,background .2s} 1391.health-build-btn:hover{transform:translateY(-2px);border-color:rgba(69,156,151,.42)} 1392.health-build-btn.active{background:#459c97;border-color:#459c97} 1393.health-build-btn strong{display:block;font-size:14px;color:#111827;margin-bottom:4px} 1394.health-build-btn span{display:block;font-size:12.5px;color:#6b7280;line-height:1.55} 1395.health-build-btn.active strong{color:#fff}.health-build-btn.active span{color:rgba(255,255,255,.78)} 1396.health-fit-panel{position:sticky;top:132px;align-self:start;background:#fff;border:1px solid #e8e6e0;border-radius:18px;padding:28px;box-shadow:0 16px 44px rgba(17,24,39,.08);overflow:hidden} 1397.health-fit-panel:before{content:'';position:absolute;right:-80px;top:-90px;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(69,156,151,.12),transparent 70%)} 1398.health-fit-panel > *{position:relative;z-index:1} 1399.health-fit-panel .eyebrow{font-size:11px;font-weight:800;color:#459c97;text-transform:uppercase;letter-spacing:.12em;margin-bottom:8px} 1400.health-fit-panel h3{font-size:25px;font-weight:800;color:#111827;line-height:1.18;margin-bottom:10px} 1401.health-fit-panel p{font-size:14.5px;color:#5f6877;line-height:1.75;margin-bottom:18px} 1402.health-next-list{list-style:none;display:grid;gap:10px;margin:0 0 22px;padding:0} 1403.health-next-list li{display:flex;gap:9px;align-items:flex-start;font-size:13.5px;color:#444;line-height:1.55} 1404.health-next-list b{color:#FE0000} 1405.health-mini-disclaimer{font-size:11.5px;color:#6b7280;line-height:1.65;border-top:1px solid #e8e6e0;padding-top:14px} 1406 1407#health-enroll{background:#fff;padding:72px 0;overflow:visible} 1408.health-enroll-layout{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start;overflow:visible} 1409.health-timeline{position:relative;padding-left:48px;max-width:900px} 1410.health-timeline:before{content:'';position:absolute;left:19px;top:0;bottom:0;width:2px;background:linear-gradient(to bottom,#459c97,#FE0000)} 1411.health-tl-item{position:relative;margin-bottom:36px} 1412.health-tl-dot{position:absolute;
1412left:-36px;top:4px;width:16px;height:16px;border-radius:50%;background:#459c97;border:3px solid #fff;box-shadow:0 0 0 3px rgba(69,156,151,.3);animation:healthTlPulse 3s ease-in-out infinite} 1413.health-tl-item:nth-child(2) .health-tl-dot{animation-delay:.5s}.health-tl-item:nth-child(3) .health-tl-dot{animation-delay:1s}.health-tl-item:nth-child(4) .health-tl-dot{animation-delay:1.5s}.health-tl-item:nth-child(5) .health-tl-dot{animation-delay:2s} 1414@keyframes healthTlPulse{0%,100%{box-shadow:0 0 0 3px rgba(69,156,151,.3)}50%{box-shadow:0 0 0 7px rgba(69,156,151,.1)}} 1415.health-tl-card{background:#F9FAFB;border:1px solid #e8e6e0;border-radius:14px;padding:24px 28px;transition:border-color .2s,box-shadow .2s} 1416.health-tl-card:hover{border-color:#459c97;box-shadow:0 4px 20px rgba(69,156,151,.1)} 1417.health-tl-period{display:inline-flex;align-items:center;gap:6px;background:#459c97;color:#fff;font-size:11px;font-weight:700;padding:4px 12px;border-radius:6px;margin-bottom:10px;letter-spacing:.5px;text-transform:uppercase} 1418.health-tl-dates{font-size:13px;color:#fe0000;font-weight:700;margin-bottom:8px} 1419.health-tl-desc{font-size:14px;color:#555;line-height:1.7;margin:0} 1420.health-tl-warning{display:inline-flex;align-items:center;gap:6px;background:#FFF3CD;border:1px solid #FFCA28;border-radius:8px;padding:8px 12px;font-size:12px;color:#664D03;font-weight:600;margin-top:10px} 1421.health-side{position:sticky;top:135px;align-self:start;display:grid;gap:20px} 1422.health-side-card{background:#F9FAFB;border:1px solid #e8e6e0;border-radius:16px;padding:28px;box-shadow:none} 1423.health-side-card.green{background:linear-gradient(135deg,#459c97 0%,#2d6e6a 100%);border-radius:20px;padding:32px;color:#fff;border-color:#459c97;position:relative} 1424.health-side-card.green:before{content:'';position:absolute;inset:0;background-image:radial-gradient(circle,rgba(255,255,255,.13) 1px,transparent 1px);background-size:22px 22px} 1425.health-side-card.green > *{position:relative;z-index:1} 1426.health-side-eyebrow{font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:rgba(255,255,255,.7);margin-bottom:12px} 1427.health-side-card h3{font-size:13px;font-weight:700;margin-bottom:16px;color:#111827} 1428.health-side-card.green h3{font-family:'Playfair Display',serif;font-size:22px;font-weight:600;color:#fff;line-height:1.4;margin-bottom:16px} 1429.health-side-card p{font-size:14px;color:#5f6877;line-height:1.7;margin-bottom:16px} 1430.health-side-card.green p{color:rgba(255,255,255,.85);margin-bottom:24px} 1431.health-side-card.green .health-btn-light{display:flex;align-items:center;justify-content:center;gap:10px;background:#fff!important;color:#fe0000!important;padding:14px 24px;border-radius:12px;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:700;text-decoration:none;width:100%} 1432.health-req-list{list-style:none;display:grid;gap:14px} 1433.health-req-list li{display:grid;grid-template-columns:32px 1fr;gap:12px;align-items:start} 1434.health-req-check{width:32px;height:32px;border-radius:8px;background:#fe0000;color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800} 1435.health-req-list strong{display:block;font-size:14px;color:#111827;margin-bottom:2px} 1436.health-req-list li > span:not(.health-req-check),.health-req-list li > span:not(.health-req-check) span{display:block;font-size:12.5px;color:#6b7280;line-height:1.5} 1437.health-req-list .health-req-check{display:flex;align-items:center;justify-content:center;color:#fff;font-size:14px;line-height:1} 1438 1439#health-carriers{background:#fff;padding:0} 1440.health-carrier-band{width:100vw;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);box-sizing:border-box;background:linear-gradient(135deg,#459c97 0%,#2d6e6a 60%,#459c97 100%);padding:56px max(40px,calc((100vw - 1480px)/2 + 40px));border-radius:0;position:relative;overflow:hidden} 1441.health-carrier-band:before{content:'';position:absolute;inset:0;background-image:radial-gradient(circle,rgba(255,255,255,.10) 1px,transparent 1px);background-size:28px 28px} 1442.health-carrier-band > *{position:relative;z-index:1} 1443.health-carrier-head{text-align:center;margin-bottom:26px} 1444.health-carrier-head .health-sec-label{background:rgba(255,255,255,.14)!important;border-color:rgba(255,255,255,.28)!important;color:#fff!important} 1445.health-carrier-head .health-sec-dot{background:#fff} 1446.health-carrier-head h3{font-size:28px;font-weight:800;color:#fff;margin-bottom:8px} 1447.health-carrier-head p{font-size:14px;color:rgba(255,255,255,.72)} 1448.health-carrier-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px} 1449.health-carrier{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.18);border-radius:12px;padding:20px 14px;text-align:center;color:#fff;font-weight:800;font-size:16px} 1450.health-carrier small{display:block;margin-top:4px;color:rgba(255,255,255,.62);font-size:11px;font-weight:700} 1451 1452#health-why{background:#fff;padding:72px 0} 1453.health-why-grid{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center} 1454.health-photo-card{position:relative;border-radius:18px;overflow:visible;height:480px;background:linear-gradient(135deg,rgba(69,156,151,.20),rgba(254,0,0,.08));border:1px solid #e8e6e0} 1455.health-photo-card img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;display:block;border-radius:18px} 1456.health-photo-badge{position:absolute;
1456left:24px;bottom:-18px;z-index:3;background:#fe0000;color:#fff;padding:14px 22px;border-radius:10px;font-family:'Montserrat',sans-serif;font-weight:800;font-size:14px;line-height:1.4;box-shadow:0 18px 38px rgba(69,156,151,.18)} 1457.health-why-list{display:grid;gap:24px} 1458.health-why-item{display:flex;align-items:flex-start;gap:18px} 1459.health-why-icon{flex-shrink:0;width:48px;height:48px;border-radius:12px;background:#E6F6F5;display:flex;align-items:center;justify-content:center;color:#459c97;font-size:20px;font-weight:900} 1460.health-why-item h4{font-size:15.5px;font-weight:800;color:#111827;margin-bottom:6px} 1461.health-why-item p{font-size:14px;color:#666;line-height:1.7;margin:0} 1462 1463#health-resources{background:#fff;padding:72px 0} 1464.health-resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px} 1465.health-resource-card{background:#F9FAFB;border:1px solid #e8e6e0;border-radius:14px;padding:24px;display:flex;flex-direction:column;min-height:210px;transition:transform .2s,border-color .2s,box-shadow .2s} 1466.health-resource-card:hover{transform:translateY(-4px);border-color:rgba(69,156,151,.42);box-shadow:0 14px 30px rgba(17,24,39,.07)} 1467.health-resource-icon{width:44px;height:44px;border-radius:10px;background:#E6F6F5;color:#459c97;display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:20px;line-height:1} 1468.health-resource-card .type{font-size:11px;font-weight:800;color:#459c97;text-transform:uppercase;letter-spacing:.10em;margin-bottom:10px} 1469.health-resource-card h3{font-size:17px;font-weight:800;color:#111827;margin-bottom:8px} 1470.health-resource-card p{font-size:13.5px;color:#5f6877;line-height:1.65;margin-bottom:18px} 1471.health-resource-card a{margin-top:auto;color:#FE0000;font-size:13px;font-weight:800} 1472.health-resource-meta{display:flex;flex-wrap:wrap;gap:8px;margin-top:2px;margin-bottom:16px} 1473.health-resource-meta span{display:inline-flex;align-items:center;border-radius:999px;background:#F3F4F6;border:1px solid #e8e6e0;color:#4b5563;font-size:11px;font-weight:800;padding:5px 9px} 1474 1475#health-faq{background:#fff;padding:72px 0;overflow:visible} 1476.health-faq-layout{display:grid;grid-template-columns:minmax(0,1fr) 420px;gap:42px;align-items:start;overflow:visible} 1477.health-faq-list{display:grid;gap:12px} 1478.health-faq-item{background:#fff;border:1px solid #e8e6e0;border-radius:14px;} 1479.health-faq-q{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:22px 26px;cursor:pointer} 1480.health-faq-q h3{font-size:15.5px;font-weight:800;color:#111827;line-height:1.4} 1481.health-faq-icon{flex-shrink:0;width:32px;height:32px;border-radius:50%;background:#EAF0F7;display:flex;align-items:center;justify-content:center;transition:background .2s,transform .3s} 1482.health-faq-icon svg{transition:transform .3s} 1483.health-faq-icon svg path{transition:stroke .2s} 1484.health-faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .3s ease;padding:0 26px} 1485.health-faq-a p{font-size:14px;color:#555;line-height:1.8;padding-bottom:22px} 1486.health-faq-item.open .health-faq-icon{background:#FE0000} 1487.health-faq-item.open .health-faq-icon svg{transform:rotate(45deg)} 1488.health-faq-item.open .health-faq-icon svg path{stroke:#fe0000} 1489.health-faq-item.open .health-faq-a{max-height:420px} 1490.health-review-brand h3{font-size:15px;font-weight:800;color:#111827;margin:0 0 3px} 1491.health-review-panel{position:sticky;top:136px;display:flex;flex-direction:column;gap:14px} 1492.health-review-summary{background:#fff;border:1px solid #e8e6e0;border-radius:18px;padding:24px;box-shadow:0 18px 45px rgba(17,24,39,.06)} 1493.health-review-brand{display:flex;align-items:center;gap:12px;margin-bottom:18px} 1494.health-google-mark{width:40px;height:40px;border-radius:12px;background:#fff;border:1px solid #e8e6e0;display:flex;align-items:center;justify-content:center;flex-shrink:0} 1495 1496.health-review-brand p{font-size:12px;color:#5f6877;margin:0} 1497.health-review-score{display:flex;align-items:center;gap:16px;margin-bottom:18px} 1498.health-review-score strong{font-size:52px;font-weight:900;color:#FE0000;line-height:1} 1499.health-review-stars{color:#FE0000;font-size:19px;letter-spacing:2px;line-height:1;margin-bottom:7px}
1500.health-review-score span{display:block;color:#5f6877;font-size:13px;font-weight:700} 1501.health-review-summary a{display:flex;align-items:center;justify-content:center;gap:8px;background:#FE0000;color:#fff;border-radius:10px;padding:12px 18px;font-size:13px;font-weight:800;text-decoration:none;transition:transform .2s,box-shadow .2s} 1502.health-review-summary a:hover{transform:translateY(-1px);box-shadow:0 12px 22px rgba(254,0,0,.18)} 1503.health-review-tags{display:flex;flex-wrap:wrap;gap:8px} 1504.health-review-tags span{border:1px solid rgba(69,156,151,.22);background:#F0FAF9;color:#459c97;border-radius:999px;padding:7px 10px;font-size:11px;font-weight:800} 1505.health-featured-review{background:linear-gradient(135deg,#459c97 0%,#2d6e6a 100%);border-radius:18px;padding:24px;color:#fff;box-shadow:0 18px 38px rgba(69,156,151,.18)} 1506.health-featured-label{display:inline-flex;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.24);border-radius:999px;padding:6px 10px;margin-bottom:14px;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.10em} 1507.health-featured-review p{font-size:14px;line-height:1.75;color:rgba(255,255,255,.9);margin:0 0 15px} 1508.health-featured-foot{display:flex;align-items:center;justify-content:space-between;gap:12px} 1509.health-featured-foot strong{font-size:14px;font-weight:800} 1510.health-featured-foot span{font-size:14px;color:#fff;letter-spacing:1px} 1511.health-review-scroll{display:flex;flex-direction:column;gap:12px;max-height:430px;overflow-y:auto;padding-right:6px} 1512.health-review-scroll::-webkit-scrollbar{width:4px} 1513.health-review-scroll::-webkit-scrollbar-track{background:rgba(0,0,0,.04);border-radius:4px} 1514.health-review-scroll::-webkit-scrollbar-thumb{background:#FE0000;border-radius:4px} 1515.health-review-card{background:#fff;border:1px solid #e8e6e0;border-radius:16px;padding:18px;box-shadow:0 10px 24px rgba(17,24,39,.04)} 1516.health-review-card-head{display:flex;align-items:flex-start;gap:11px;margin-bottom:12px} 1517.health-review-avatar{width:40px;height:40px;border-radius:50%;background:#FE0000;color:#fff;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:900;flex-shrink:0} 1518.health-review-person{flex:1;min-width:0} 1519.health-review-person strong{display:block;color:#111827;font-size:14px;font-weight:800;margin-bottom:2px} 1520.health-review-person span{display:block;color:#777;font-size:11px;font-weight:600} 1521.health-review-card .health-review-stars{font-size:13px;letter-spacing:1px;margin:2px 0 0;white-space:nowrap} 1522.health-review-card p{font-size:13.5px;color:#555;line-height:1.7;margin:0} 1523.health-review-long{max-height:200px;overflow-y:auto;padding-right:8px} 1524.health-review-long::-webkit-scrollbar{width:4px} 1525.health-review-long::-webkit-scrollbar-track{background:rgba(0,0,0,.04);border-radius:4px} 1526.health-review-long::-webkit-scrollbar-thumb{background:#FE0000;border-radius:4px} 1527.health-review-long p{margin:0 0 10px} 1528.health-review-long p:last-child{margin-bottom:0} 1529 1530 1531#health-contact{background:#fff;padding:72px 0} 1532.health-quote-box{margin:34px 0 8px;background:linear-gradient(135deg,#459c97 0%,#2d6e6a 100%);border-radius:18px;padding:30px;position:relative;overflow:hidden;color:#fff;display:grid;grid-template-columns:.82fr 1.18fr;gap:28px;align-items:center} 1533.health-quote-box:before{content:'';position:absolute;inset:0;background-image:radial-gradient(circle,rgba(255,255,255,.12) 1px,transparent 1px);background-size:26px 26px;pointer-events:none} 1534.health-quote-box > *{position:relative;z-index:1} 1535.health-quote-kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:6px 12px;font-size:11px;font-weight:900;text-transform:uppercase;letter-spacing:.08em;margin-bottom:14px} 1536.health-quote-kicker span{width:7px;height:7px;border-radius:50%;background:#fff;display:block} 1537.health-quote-copy h3{font-size:26px;font-weight:900;color:#fff;line-height:1.18;margin-bottom:10px} 1538.health-quote-copy p{font-size:14px;color:rgba(255,255,255,.82);line-height:1.75;margin:0} 1539.health-quote-form{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);border-radius:14px;padding:14px} 1540.health-quote-field label{display:block;font-size:10px;font-weight:900;text-transform:uppercase;letter-spacing:.08em;color:rgba(255,255,255,.72);margin-bottom:6px} 1541.health-quote-field input,.health-quote-field select{width:100%;height:46px;border:1px solid rgba(255,255,255,.30);background:#fff;border-radius:10px;padding:0 12px;color:#111827;font-family:'Montserrat',sans-serif;font-size:13px;font-weight:700;outline:none} 1542.health-quote-field input:focus,.health-quote-field select:focus{border-color:#fff;box-shadow:0 0 0 3px rgba(255,255,255,.18)} 1543.health-quote-submit{grid-column:1/-1;display:inline-flex;align-items:center;justify-content:center;width:100%;height:48px;border:none;border-radius:10px;background:#FE0000;color:#fff!important;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:900;cursor:pointer;transition:transform .2s,background .2s} 1544.health-quote-submit:hover{background:#d90000;color:#fff!important;transform:translateY(-1px)} 1545.health-quote-note{grid-column:1/-1;font-size:11px;color:rgba(255,255,255,.68);line-height:1.55;margin:0} 1546.health-contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px} 1547.health-contact-card{background:#fff;border:1px solid #e8e6e0;border-radius:14px;padding:26px;transition:transform .2s,border-color .2s,box-shadow .2s} 1548.health-contact-card:hover{transform:translateY(-4px);border-color:#459c97;box-shadow:0 14px 30px rgba(69,156,151,.10)} 1549.health-contact-icon{width:44px;height:44px;border-radius:10px;background:#E6F6F5;color:#459c97;display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:20px;font-weight:800} 1550.health-contact-card h3{font-size:16px;font-weight:800;color:#111827;margin-bottom:8px} 1551.health-contact-card p{font-size:13.5px;color:#666;line-height:1.65;margin-bottom:16px} 1552 1553/* ââ Marketplace quote section redesign ââ */ 1554#health-quote-section{background:#fff;padding:72px 0} 1555.hq-shell{display:grid;grid-template-columns:.88fr 1.12fr;gap:28px;background:linear-gradient(135deg,#459c97 0%,#2d6e6a 100%);border-radius:18px;padding:30px;position:relative;overflow:hidden;color:#fff;align-items:center} 1556.hq-dots{position:absolute;inset:0;background-image:radial-gradient(circle,rgba(255,255,255,.12) 1px,transparent 1px);
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12px) 50%;padding-right:32px} 1568.hq-field input:focus,.hq-field select:focus{border-color:#fff;box-shadow:0 0 0 3px rgba(255,255,255,.18)} 1569.hq-submit{grid-column:1/-1;height:48px;width:100%;border:none;border-radius:10px;background:#FE0000;color:#fff;font-family:'Montserrat',sans-serif;font-size:14px;font-weight:900;cursor:pointer;transition:background .2s,transform .2s} 1570.hq-submit:hover{background:#d90000;transform:translateY(-1px)} 1571.hq-submit:focus-visible{outline:3px solid rgba(255,255,255,.6);outline-offset:2px} 1572.hq-note{grid-column:1/-1;font-size:11px;color:rgba(255,255,255,.68);line-height:1.55;margin:0} 1573 1574@media(max-width:980px){ 1575 .dis-health-body .wrap,.health-sticky-inner{padding-left:24px!important;padding-right:24px!important} 1576 .health-coverage-grid,.health-resource-grid,.health-contact-grid{grid-template-columns:repeat(2,1fr)} 1577 .health-fit-grid,.health-enroll-layout,.health-why-grid,.health-faq-layout{grid-template-columns:1fr} 1578 .health-fit-panel,.health-side,.health-review-panel,.health-disclaimer{position:static} 1579 .health-review-scroll{max-height:none;padding-right:0} 1580 .health-carrier-band{padding:44px 24px} 1581 .health-carrier-grid{grid-template-columns:repeat(2,1fr)} 1582 .health-quote-box{grid-template-columns:1fr} 1583 .health-quote-form{grid-template-columns:repeat(2,1fr)} 1584 .health-photo-card{height:360px} 1585 .hq-shell{grid-template-columns:1fr} 1586 .hq-form{grid-template-columns:repeat(2,1fr)} 1587} 1588@media(max-width:768px){ 1589 .dis-health-body .wrap,.health-sticky-inner{padding-left:16px!important;padding-right:16px!important} 1590 .health-sticky-inner{align-items:flex-start;flex-direction:column} 1591 .health-title{font-size:26px} 1592 .health-coverage-grid,.health-resource-grid,.health-contact-grid,.health-builder,.health-carrier-grid{grid-template-columns:1fr} 1593 .health-timeline{padding-left:36px} 1594 .health-carrier-band{padding:40px 16px} 1595 .health-quote-form{grid-template-columns:1fr} 1596 .hq-form{grid-template-columns:1fr} 1597 #health-why{padding:56px 0} 1598 .health-photo-card{height:300px} 1599 .health-tl-dot{left:-26px} 1600 .health-final-cta{flex-direction:column;align-items:flex-start} 1601 .health-final-cta a{width:100%} 1602} 1603@media(prefers-reduced-motion:reduce){ 1604 .dis-health-body *, .dis-health-body *:before, .dis-health-body *:after{animation:none!important;transition:none!important} 1605} 1606 1607</style> 1608 1609<div class="health-bg" aria-hidden="true"> 1610 <div class="health-bg-dots"></div> 1611 <div class="health-bg-blob1"></div> 1612 <div class="health-bg-blob2"></div> 1613</div> 1614 1615<nav class="health-sticky-nav" aria-label="Health insurance page navigation"> 1616 <div class="health-sticky-inner"> 1617 <div class="health-sticky-title">Health Insurance Guide</div> 1618 <div class="health-sticky-links"> 1619 <a href="#health-coverage">Coverage</a> 1620 <a href="#health-quote">Quote</a> 1621 <a href="#health-quote">Quote</a> 1622 <a href="#health-fit">Plan Fit</a> 1623 <a href="#health-enroll">Enroll</a> 1624 <a href="#health-carriers">Carriers</a> 1625 <a href="#health-why">Why DIS</a> 1626 <a href="#health-resources">Resources</a> 1627 <a href="#health-faq">FAQs</a> 1628 </div> 1629 </div> 1630</nav> 1631 1632<section id="health-coverage" class="health-reveal"> 1633 <div class="wrap"> 1634 <div class="health-sec-label"><span class="health-sec-dot"></span>Coverage options</div> 1635 <h2 class="health-title">Different kinds of health insurance coverage</h2> 1636 <p class="health-copy">Health coverage can look different depending on your income, household, doctors, prescriptions, state, and enrollment window. These are the main options our agents can help you understand.</p> 1637 <div class="health-coverage-grid"> 1638 <div class="health-card"> 1639 <div class="health-icon">ACA</div> 1640 <h3>ACA Marketplace plans</h3> 1641 <p>Major medical plans that may include premium tax credits and cost-sharing reductions for eligible households.</p> 1642 <ul> 1643 <li><span class="health-check">✓</span> Essential health benefits</li> 1644 <li><span class="health-check">✓</span> Preventive care</li> 1645 <li><span class="health-check">✓</span> Possible subsidies</li> 1646 </ul> 1647 </div> 1648 <div class="health-card red"> 1649 <div class="health-icon">PVT</div> 1650 <h3>Private health insurance</h3> 1651 <p>Coverage options outside the Marketplace for people who want to compare alternatives or fill specific gaps.</p> 1652 <ul> 1653 <li><span class="health-check">✓</span> Individual and family options</li> 1654 <li><span class="health-check">✓</span> Network and premium comparison</li> 1655 <li><span class="health-check">✓</span> Year-round options may vary</li> 1656 </ul> 1657 </div> 1658 <div class="health-card purple"> 1659 <div class="health-icon">ST</div> 1660 <h3>Short-term coverage</h3> 1661 <p>Temporary coverage that may help bridge a gap, depending on your state and health needs.
1661</p> 1662 <ul> 1663 <li><span class="health-check">✓</span> Temporary protection</li> 1664 <li><span class="health-check">✓</span> Not ACA-compliant in every case</li> 1665 <li><span class="health-check">✓</span> Availability varies by state</li> 1666 </ul> 1667 </div> 1668 <div class="health-card green"> 1669 <div class="health-icon">D/V</div> 1670 <h3>Dental and vision</h3> 1671 <p>Supplemental benefits for routine dental care, eye exams, glasses, contacts, and more.</p> 1672 <ul> 1673 <li><span class="health-check">✓</span> Preventive dental care</li> 1674 <li><span class="health-check">✓</span> Eye exams and eyewear</li> 1675 <li><span class="health-check">✓</span> Individual and family plans</li> 1676 </ul> 1677 </div> 1678 <div class="health-card"> 1679 <div class="health-icon">SUP</div> 1680 <h3>Supplemental coverage</h3> 1681 <p>Plans that can help with certain costs not fully covered by major medical insurance.</p> 1682 <ul> 1683 <li><span class="health-check">✓</span> Accident options</li> 1684 <li><span class="health-check">✓</span> Hospital indemnity</li> 1685 <li><span class="health-check">✓</span> Critical illness options</li> 1686 </ul> 1687 </div> 1688 <div class="health-card featured"> 1689 <div class="health-icon">?</div> 1690 <h3>Not sure what you need?</h3> 1691 <p>A licensed agent can help you sort through premium, deductible, copay, network, prescription, and enrollment questions.</p> 1692 <ul> 1693 <li><span class="health-check">✓</span> Compare plan types</li> 1694 <li><span class="health-check">✓</span> Check doctors and prescriptions</li> 1695 <li><span class="health-check">✓</span> Understand next steps</li> 1696 </ul> 1697 </div> 1698 </div> 1699 </div> 1700</section> 1701 1702<section id="health-quote-section" class="health-reveal"> 1703 <div class="wrap"> 1704 <div class="health-sec-label"><span class="health-sec-dot"></span>Marketplace Quote</div> 1705 <h2 class="health-title">Get a free marketplace quote today</h2> 1706 <p class="health-copy">Start with general guidance. When you are ready to compare coverage, our licensed agents can help review plan options available in your area.</p> 1707 <div id="health-quote" class="hq-shell"> 1708 <div class="hq-dots" aria-hidden="true"></div> 1709 <div class="hq-copy"> 1710 <div class="health-quote-kicker"><span></span>Start a health quote</div> 1711 <h3 class="hq-heading">Enter your basics and see available health plan options.</h3> 1712 <p class="hq-subhead">We pass your ZIP code, age, household size, and income to the quote page so you can continue with less retyping.</p> 1713 <div class="hq-pills"> 1714 <span class="hq-pill"><span class="hq-pill-chk">✓</span>No cost to you</span> 1715 <span class="hq-pill"><span class="hq-pill-chk">✓</span>Licensed agents</span> 1716 <span class="hq-pill"><span class="hq-pill-chk">✓</span>English & Spanish</span> 1717 <span class="hq-pill"><span class="hq-pill-chk">✓</span>No commitment</span> 1718 </div> 1719 </div> 1720 <div class="hq-card"> 1721 <form class="hq-form" onsubmit="return healthQuoteSubmit(event)"> 1722 <div class="hq-field"> 1723 <label for="healthQuoteZip">ZIP code</label> 1724 <input id="healthQuoteZip" name="zip" type="text" inputmode="numeric" maxlength="5" pattern="[0-9]{5}" placeholder="33101" required> 1725 </div> 1726 <div class="hq-field"> 1727 <label for="healthQuoteAge">Age</label> 1728 <input id="healthQuoteAge" name="age" type="number" min="18" max="64" placeholder="35" required> 1729 </div> 1730 <div class="hq-field"> 1731 <label for="healthQuoteHousehold">Household size</label> 1732 <select id="healthQuoteHousehold" name="household" required> 1733 <option value="" disabled selected>Select size</option> 1734 <option value="1">1 person</option> 1735 <option value="2">
17352 people</option> 1736 <option value="3">3 people</option> 1737 <option value="4">4 people</option> 1738 <option value="5">5+ people</option> 1739 </select> 1740 </div> 1741 <div class="hq-field"> 1742 <label for="healthQuoteIncome">Est. annual income</label> 1743 <input id="healthQuoteIncome" name="income" type="number" min="0" step="500" placeholder="55000" required> 1744 </div> 1745 <button class="hq-submit" type="submit">See health plans →</button> 1746 <p class="hq-note">Final eligibility, subsidies, plans, and premiums depend on the applicable Marketplace or carrier rules.</p> 1747 </form> 1748 </div> 1749 </div> 1750 </div> 1751</section> 1752 1753<section id="health-fit" class="health-reveal"> 1754 <div class="wrap"> 1755 <div class="health-fit-grid"> 1756 <div class="health-fit-main"> 1757 <div class="health-sec-label"><span class="health-sec-dot"></span>Interactive guide</div> 1758 <h2 class="health-title">What kind of health coverage might fit?</h2> 1759 <p class="health-copy">Tap the situation that sounds closest to you. This is educational only, but it helps organize the questions an agent will ask before comparing options.</p> 1760 <div class="health-builder"> 1761 <button class="health-build-btn active" data-fit="marketplace"><strong>I need affordable monthly premiums</strong><span>Check ACA plans and possible savings based on income and household.</span></button> 1762 <button class="health-build-btn" data-fit="family"><strong>I need to cover my family</strong><span>Compare family deductibles, pediatric care, prescriptions, and doctor networks.</span></button> 1763 <button class="health-build-btn" data-fit="gap"><strong>I am between coverage</strong><span>Review SEP eligibility, short-term options, and temporary coverage choices.</span></button> 1764 <button class="health-build-btn" data-fit="self"><strong>I am self-employed</strong><span>Compare Marketplace, private, dental, vision, and tax-credit possibilities.</span></button> 1765 <button class="health-build-btn" data-fit="doctor"><strong>I want to keep my doctor</strong><span>Prioritize provider networks, prescriptions, referrals, and plan metal levels.</span></button> 1766 <button class="health-build-btn" data-fit="extra"><strong>I need dental, vision, or extras</strong><span>Add supplemental options around your major medical coverage.</span></button> 1767 </div> 1768 </div> 1769 <div class="health-fit-panel" id="healthFitPanel"> 1770 <div class="eyebrow">Recommended starting point</div> 1771 <h3>Start with ACA Marketplace options</h3> 1772 <p>If monthly cost is your biggest concern, the first step is checking whether your income and household size may qualify you for premium tax credits.</p> 1773 <ul class="health-next-list"> 1774 <li><b>1.</b> Gather income and household details.</li> 1775 <li><b>2.</b>
1775 Check your doctors, prescriptions, and ZIP code.</li> 1776 <li><b>3.</b> Compare premium, deductible, copays, and maximum out-of-pocket.</li> 1777 </ul> 1778 <a class="health-btn-red" href="https://directinsurancesol.com/health-insurance-quotes/">Get help today →</a> 1779 <div class="health-mini-disclaimer">This tool does not determine eligibility or guarantee plan availability. Final options depend on your state, county, household, income, enrollment period, and carrier rules.</div> 1780 </div> 1781 </div> 1782 </div> 1783</section> 1784 1785<section id="health-enroll" class="health-reveal"> 1786 <div class="wrap"> 1787 <div class="health-enroll-layout"> 1788 <div> 1789 <div class="health-sec-label"><span class="health-sec-dot"></span>How to enroll</div> 1790 <h2 class="health-title">How health insurance enrollment usually works</h2> 1791 <p class="health-copy">Open Enrollment usually runs from November 1 through January 15 in most states. Outside that window, you may need a qualifying life event for a Special Enrollment Period. Medicaid and CHIP enrollment can be available year-round.</p> 1792 <div class="health-timeline"> 1793 <div class="health-tl-item"><div class="health-tl-dot"></div><div class="health-tl-card"><div class="health-tl-period">Step 1 — Enrollment Window</div><div class="health-tl-dates">Confirm when you can apply</div><p class="health-tl-desc">Check whether Open Enrollment is active, whether your state uses different dates, or whether you qualify for a Special Enrollment Period after a move, loss of coverage, birth, marriage, adoption, income change, or another qualifying event.</p><div class="health-tl-warning">⚠ Missing the right window can delay Marketplace coverage unless another enrollment path applies</div></div></div> 1794 <div class="health-tl-item"><div class="health-tl-dot"></div><div class="health-tl-card"><div class="health-tl-period">Step 2 — Household Details</div><div class="health-tl-dates">Gather income and application information</div><p class="health-tl-desc">You will usually need ZIP code, dates of birth, household size, estimated yearly income, current coverage details, and Social Security numbers or immigration document details when applicable.</p></div></div> 1795 <div class="health-tl-item"><div class="health-tl-dot"></div><div class="health-tl-card"><div class="health-tl-period">Step 3 — Plan Comparison</div><div class="health-tl-dates">Compare more than the monthly premium</div><p class="health-tl-desc">Review deductible, copays, coinsurance, maximum out-of-pocket, prescription coverage, doctors, hospitals, pharmacies, and whether the plan is HMO, PPO, EPO, or POS before choosing.</p></div></div> 1796 <div class="health-tl-item"><div class="health-tl-dot"></div><div class="health-tl-card"><div class="health-tl-period">Step 4 — Application</div><div class="health-tl-dates">Submit and review eligibility results</div><p class="health-tl-desc">Once the application is complete, you can review eligibility results, possible savings, required follow-up documents, available plans, and effective-date options before selecting coverage.</p></div></div> 1797 <div class="health-tl-item"><div class="health-tl-dot"></div><div class="health-tl-card"><div class="health-tl-period">Step 5 — Activation</div><div class="health-tl-dates">Pay the first premium by the deadline</div><p class="health-tl-desc">Coverage is generally not active until the first premium is paid directly to the insurance company by the plan deadline. Keep confirmation details and watch for any carrier or Marketplace notices.</p><div class="health-tl-warning">⚠ Coverage can be cancelled if the first payment is missed or required documents are not resolved</div></div></div> 1798 </div> 1799 </div> 1800 <aside class="health-side"> 1801 <div class="health-side-card green"> 1802 <div class="health-side-eyebrow">Not sure which window applies?</div> 1803 <h3>One call clarifies the next step</h3> 1804 <p>Our licensed agents can help you review your situation and identify whether Open Enrollment, a Special Enrollment Period, Medicaid, CHIP, or another option may apply.</p> 1805 <a class="health-btn-light" href="tel:18006198959">☎
1805 Call 800-619-8959</a> 1806 </div> 1807 <div class="health-side-card"> 1808 <h3>Common information needed</h3> 1809 <ul class="health-req-list"> 1810 <li><span class="health-req-check">✓</span><span><strong>ZIP code and state</strong><span>Plan availability can vary by county and state.</span></span></li> 1811 <li><span class="health-req-check">✓</span><span><strong>Household size and income</strong><span>Used to estimate subsidy eligibility.</span></span></li> 1812 <li><span class="health-req-check">✓</span><span><strong>Doctors and prescriptions</strong><span>Helps compare networks and drug coverage.</span></span></li> 1813 <li><span class="health-req-check">✓</span><span><strong>Current coverage status</strong><span>Important for SEP and effective-date questions.</span></span></li> 1814 </ul> 1815 </div> 1816 </aside> 1817 </div> 1818 </div> 1819</section> 1820 1821<section id="health-carriers" class="health-reveal"> 1822 <div class="wrap"> 1823 <div class="health-carrier-band"> 1824 <div class="health-carrier-head"> 1825 <div class="health-sec-label"><span class="health-sec-dot"></span>Carrier network</div> 1826 <h3>Health carriers and plan options vary by state and county</h3> 1827 <p>Availability changes by location, plan year, and enrollment rules. Our agents can help review options available in your area.</p> 1828 </div> 1829 <div class="health-carrier-grid"> 1830 <div class="health-carrier">Aetna<small>Health options</small></div> 1831 <div class="health-carrier">Ambetter<small>Marketplace options</small></div> 1832 <div class="health-carrier">Blue Cross Blue Shield<small>State availability varies</small></div> 1833 <div class="health-carrier">Cigna<small>Health options</small></div> 1834 <div class="health-carrier">Oscar<small>Marketplace options</small></div> 1835 <div class="health-carrier">UnitedHealthcare<small>Health options</small></div> 1836 <div class="health-carrier">Molina<small>State availability varies</small></div> 1837 <div class="health-carrier">Kaiser<small>Plan availability varies</small></div> 1838 </div> 1839 </div> 1840 </div> 1841</section> 1842 1843<section id="health-why" class="health-reveal"> 1844 <div class="wrap"> 1845 <div class="health-why-grid"> 1846 <div class="health-photo-card"> 1847 <img decoding="async" src="https://directinsurancesol.com/wp-content/uploads/2026/07/fingers-touching-mother-and-baby.jpg" alt="Direct Insurance Solutions health insurance guidance" /> 1848 <div class="health-photo-badge">Helping clients<br>across 38 states</div> 1849 </div> 1850 <div> 1851 <div class="health-sec-label"><span class="health-sec-dot"></span>Why Direct Insurance Solutions</div> 1852 <h2 class="health-title">Health coverage should feel clear, practical, and personal</h2> 1853 <div class="health-why-list"> 1854 <div class="health-why-item"><div class="health-why-icon">1</div><div><h4>Guidance before you choose</h4><p>We help you understand plan types, enrollment windows, subsidies, networks, and cost-sharing before you make a coverage decision.</p></div></div> 1855 <div class="health-why-item"><div class="health-why-icon">2</div><div><h4>Plan comparisons with context</h4><p>Premiums are only one part of the picture. Our agents can help compare deductibles, copays, prescriptions, doctors, and out-of-pocket exposure.</p></div></div> 1856 <div class="health-why-item"><div class="health-why-icon">3</div><div><h4>English and Spanish service</h4><p>Health insurance questions are easier when they are explained clearly in the language you are most comfortable using.</p></div></div> 1857 <div class="health-why-item"><div class="health-why-icon">4</div><div><h4>No cost for guidance</h4><p>There is no cost to you for speaking with our agents. Carrier compensation may apply if you enroll, and plan availability varies by location.</p></div></div> 1858 </div> 1859 </div> 1860 </div> 1861 </div> 1862</section> 1863 1864<section id="health-resources" class="health-reveal"> 1865 <div class="wrap"> 1866 <div class="health-sec-label"><span class="health-sec-dot"></span>Resources</div> 1867 <h2 class="health-title">Helpful health insurance resources</h2> 1868 <p class="health-copy">Use these resources to understand enrollment timing, savings, plan terms, and what to review before choosing coverage.</p> 1869 <div class="health-resource-grid"> 1870 <div class="health-resource-card"><div class="health-resource-icon">📅</div><div class="type">Enrollment</div><h3>Open Enrollment dates</h3><p>Learn when most people can enroll in or change Marketplace coverage.</p><div class="health-resource-meta"><span>HealthCare.gov</span><span>Enrollment dates</span></div><a href="https://www.healthcare.gov/quick-guide/dates-and-deadlines/" target="_blank" rel="noopener">View HealthCare.gov dates →</a></div> 1871 <div class="health-resource-card"><div class="health-resource-icon">📍</div><div class="type">Life events</div><h3>Special Enrollment Periods</h3><p>Review qualifying events such as loss of coverage, moving, marriage, birth, adoption, or income changes.</p><div class="health-resource-meta"><span>SEP rules</span><span>Life events</span></div><a href="https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/" target="_blank" rel="noopener">Review SEP rules →</a></div> 1872 <div class="health-resource-card"><div class="health-resource-icon">💵</div><div class="type">Savings</div><h3>Premium tax credits</h3><p>Marketplace savings can depend on income, household size, state, and plan selection.</p><div class="health-resource-meta"><span>Subsidy info</span><span>Cost savings</span></div><a href="https://www.healthcare.gov/lower-costs/" target="_blank" rel="noopener">Learn about savings →</a></div> 1873 <div class="health-resource-card"><div class="health-resource-icon">📋</div><div class="type">Documents</div><h3>Application checklist</h3><p>Prepare household, income, current coverage, and identity information before applying.</p><div class="health-resource-meta"><span>Checklist</span><span>Apply online</span></div><a href="https://www.healthcare.gov/apply-and-enroll/how-to-apply
1873/" target="_blank" rel="noopener">See how to apply →</a></div> 1874 <div class="health-resource-card"><div class="health-resource-icon">📖</div><div class="type">Terms</div><h3>Deductible, copay, coinsurance</h3><p>Understand how monthly cost and care costs work together before choosing a plan.</p><div class="health-resource-meta"><span>Glossary</span><span>Plan terms</span></div><a href="https://www.healthcare.gov/glossary/" target="_blank" rel="noopener">Use the glossary →</a></div> 1875 <div class="health-resource-card"><div class="health-resource-icon">☎</div><div class="type">Support</div><h3>Talk with an agent</h3><p>Get help comparing coverage and understanding what may fit your needs.</p><div class="health-resource-meta"><span>DIS support</span><span>Licensed agents</span></div><a href="tel:18006198959">Call 800-619-8959 →</a></div> 1876 </div> 1877 </div> 1878</section> 1879 1880<section id="health-faq" class="health-reveal"> 1881 <div class="wrap"> 1882 <div class="health-faq-layout"> 1883 <div> 1884 <div class="health-sec-label"><span class="health-sec-dot"></span>FAQ</div> 1885 <h2 class="health-title">Common health insurance questions</h2> 1886 <div class="health-faq-list" itemscope itemtype="https://schema.org/FAQPage"> 1887 <div class="health-faq-item open" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">When can I enroll in health insurance?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">In most states, Marketplace Open Enrollment usually runs from November 1 through January 15. Outside Open Enrollment, you generally need a qualifying life event for a Special Enrollment Period. Medicaid and CHIP enrollment may be available year-round.</p></div></div> 1888 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">How do I know if I qualify for a subsidy?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">Subsidy eligibility is usually based on household size, estimated yearly income, location, access to other coverage, and Marketplace rules. An agent can help you estimate savings, but final eligibility is determined through the Marketplace application.</p></div></div> 1889 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">Can I keep my doctor?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">It depends on the plan network. Before enrolling, you should check your preferred doctors, hospitals, pharmacies, and prescriptions against the plan details.</p></div></div> 1890 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">What is the difference between premium and deductible?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div>
1890<div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">The premium is the monthly amount you pay to keep coverage. The deductible is the amount you may pay for covered services before the plan pays certain benefits. Copays, coinsurance, and maximum out-of-pocket also matter.</p></div></div> 1891 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">Is there a cost to use Direct Insurance Solutions?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">There is no cost to you for speaking with our agents. If you enroll, carrier compensation may apply and does not increase your premium.</p></div></div> 1892 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">What if I missed Open Enrollment?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">You may still be able to enroll if you qualify for a Special Enrollment Period, Medicaid, CHIP, or another year-round option. Your exact options depend on your state, income, and situation.</p></div></div> 1893 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">What documents should I have ready before applying?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">It helps to have your ZIP code, dates of birth for everyone applying, household size, estimated yearly income, current coverage details, Social Security numbers when applicable, immigration documents when applicable, doctor names, prescriptions, and preferred pharmacies.</p></div></div> 1894 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">What counts as a Special Enrollment Period?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">Common qualifying life events can include losing qualifying health coverage, moving to a new coverage area, getting married, having or adopting a child, certain income changes, gaining eligible immigration status, or other Marketplace-recognized events. Time limits and documentation requirements may apply.</p></div></div> 1895 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">What is the difference between HMO, PPO, EPO, and POS plans?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div>
1895<div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">These plan types describe how provider networks usually work. HMO and EPO plans often have stricter network rules, while PPO and POS plans may offer more out-of-network flexibility. The right choice depends on your doctors, prescriptions, travel habits, budget, and plan availability in your area.</p></div></div> 1896 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">How do Bronze, Silver, Gold, and Platinum plans work?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">Metal levels help compare how costs are generally shared between you and the insurance company. Bronze plans often have lower premiums and higher care costs. Gold and Platinum plans often have higher premiums and lower care costs. Silver plans may be important if you qualify for cost-sharing reductions.</p></div></div> 1897 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">Why should I check prescriptions before choosing a plan?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">Each plan can have its own drug list, tiers, pharmacy network, prior authorization rules, and refill requirements. A plan with a lower premium may cost more overall if your medications are not covered well, so prescriptions should be reviewed before enrolling.</p></div></div> 1898 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">Can self-employed people get health insurance?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">Yes. Self-employed individuals can often compare Marketplace plans, private health plans, dental, vision, and supplemental options. Estimated yearly household income is especially important because it can affect Marketplace savings and eligibility results.</p></div></div> 1899 <div class="health-faq-item" itemscope itemprop="mainEntity" itemtype="https://schema.org/Question"><div class="health-faq-q" onclick="this.closest('.health-faq-item').classList.toggle('open')"><h3 itemprop="name">When does my health insurance become active?</h3><span class="health-faq-icon"><svg width="14" height="14" viewBox="0 0 14 14" fill="none"><path d="M7 1v12M1 7h12" stroke="#FE0000" stroke-width="2" stroke-linecap="round"/></svg></span></div><div class="health-faq-a" itemscope itemprop="acceptedAnswer" itemtype="https://schema.org/Answer"><p itemprop="text">Your effective date depends on when you apply, your enrollment window, carrier rules, and whether the first premium is paid on time. Coverage is generally not active until the insurance company receives the required first payment and any required follow-up steps are completed.</p></div></div> 1900 </div> 1901 </div> 1902 <aside class="health-review-panel" aria-label="Google reviews"> 1903 <div class="health-review-summary"> 1904 <div class="health-review-brand"> 1905 <div class="health-google-mark" aria-hidden="true"> 1906 <svg width="22" height="22" viewBox="0 0 24 24">
1906<path fill="#4285F4" d="M22.56 12.25c0-.78-.07-1.53-.2-2.25H12v4.26h5.92c-.26 1.37-1.04 2.53-2.21 3.31v2.77h3.57c2.08-1.92 3.28-4.74 3.28-8.09z"/><path fill="#34A853" d="M12 23c2.97 0 5.46-.98 7.28-2.66l-3.57-2.77c-.98.66-2.23 1.06-3.71 1.06-2.86 0-5.29-1.93-6.16-4.53H2.18v2.84C3.99 20.53 7.7 23 12 23z"/><path fill="#FBBC05" d="M5.84 14.09c-.22-.66-.35-1.36-.35-2.09s.13-1.43.35-2.09V7.07H2.18C1.43 8.55 1 10.22 1 12s.43 3.45 1.18 4.93l3.66-2.84z"/><path fill="#EA4335" d="M12 5.38c1.62 0 3.06.56 4.21 1.64l3.15-3.15C17.45 2.09 14.97 1 12 1 7.7 1 3.99 3.47 2.18 7.07l3.66 2.84c.87-2.6 3.3-4.53 6.16-4.53z"/></svg> 1907 </div> 1908 <div> 1909 <h3>Google Reviews</h3> 1910 <p>directinsurancesol.com</p> 1911 </div> 1912 </div> 1913 <div class="health-review-score"> 1914 <strong>5.0</strong> 1915 <div><div class="health-review-stars">★★★★★</div><span>133 customer reviews</span></div> 1916 </div> 1917 <a href="https://maps.app.goo.gl/5nrk3JUiFPDzmHxv6" target="_blank" rel="noopener">View all 133 reviews</a> 1918 </div> 1919 <div class="health-review-tags"><span>Licensed agents</span><span>Helpful guidance</span><span>Fast follow-up</span><span>Family owned business</span></div> 1920 <div class="health-featured-review"> 1921 <div class="health-featured-label">Featured review</div> 1922 <p>"Andrea was not only professional but well knowledgeable. She educated me on health insurance and provided me with the best options fitted to my needs."</p> 1923 <div class="health-featured-foot"><strong>Richard Reid</strong><span>★★★★★</span></div> 1924 </div> 1925 <div class="health-review-scroll"> 1926 <div class="health-review-card"> 1927 <div class="health-review-card-head"><div class="health-review-avatar">YP</div><div class="health-review-person"><strong>Yenny Passanante</strong><span>07/21/2026</span></div><div class="health-review-stars">★★★★★</div></div> 1928 <div class="health-review-long"> 1929 <p>"We have had an excellent experience with Direct Insurance Solutions. They have been an incredible resource through every stage of our familyâs health insurance needs, from helping us find the best policy to guiding us through life changes and making sure our coverage continues to meet our needs.</p> 1930 <p>Andrea has been wonderful to work with. She always takes the time to answer our questions, helps us understand our coverage, verifies that the plans include the doctors we want to see, and has been there whenever weâve had questions about medications or health benefits. Itâs reassuring to know we have someone knowledgeable we can call when we need guidance.</p> 1931 <p>Health insurance can be overwhelming, but Andrea and the team at Direct Insurance Solutions make the process simple and stress-free. We truly appreciate their professionalism, responsiveness, and genuine care for their clients. I highly recommend them to anyone looking for a trusted insurance advisor!"</p> 1932 </div> 1933 </div> 1934 <div class="health-review-card"> 1935 <div class="health-review-card-head"><div class="health-review-avatar">RR</div><div class="health-review-person"><strong>Richard Reid</strong><span>2 years ago</span></div><div class="health-review-stars">★★★★★</div></div> 1936 <p>"Andrea was not only professional but well knowledgeable. She educated me on health insurance and provided me with the best options fitted to my needs."</p> 1937 </div> 1938 <div class="health-review-card"> 1939 <div class="health-review-card-head"><div class="health-review-avatar">EL</div><div class="health-review-person"><strong>Ella Lopez</strong><span>2 years ago</span></div><div class="health-review-stars">★★★★★</div></div> 1940 <p>"I really appreciate Yessica Sahagun's customer service. She made my insurance plan enrollment an easy process. Her communication skills and patience is incredible."</p> 1941 </div> 1942 <div class="health-review-card"> 1943 <div class="health-review-card-head"><div class="health-review-avatar">MB</div><div class="health-review-person"><strong>Michael Beshar</strong><span>2 years ago</span></div><div class="health-review-stars">★★★★★</div></div> 1944 <p>"Yessica was exceptional - professional, friendly, and knowledgeable. She provided me with comprehensive coverage options and always had a positive attitude."</p> 1945 </div> 1946 <div class="health-review-card"> 1947 <div class="health-review-card-head"><div class="health-review-avatar">JM</div><div class="health-review-person"><strong>Jainer Muñoz</strong><span>3 years ago</span></div><div class="health-review-stars">★★★★★</div></div> 1948 <p>"My experience with Andrea Saborio has been excellent since day 1 - very diligent, efficient, problem solving, sweet and very kind. Available anytime, any day."</p> 1949 </div> 1950 <div class="health-review-card"> 1951 <div class="health-review-card-head"><div class="health-review-avatar">MR</div><div class="health-review-person"><strong>Melanie Ramos</strong><span>3 years ago</span></div><div class="health-review-stars">★★★★★</div></div> 1952 <p>"Yessica made the process smooth. She helped me find a great plan with so many benefits. I'll definitely work with her again in the future!"</p> 1953 </div> 1954 </aside> 1955 </div> 1956 </div> 1957</section> 1958 1959<section id="health-contact" class="health-reveal"> 1960 <div class="wrap"> 1961 <div class="health-sec-label"><span class="health-sec-dot"></span>Contact</div> 1962 <h2 class="health-title">Speak with a licensed agent</h2> 1963 <p class="health-copy">Our licensed agents can help you compare health coverage options, check enrollment windows, and answer questions about subsidies, networks, and plan types.</p> 1964 <div class="health-contact-grid"> 1965 <div class="health-contact-card"><div class="health-contact-icon">☎</div><h3>Call a licensed agent</h3><p>Ask questions about enrollment timing, subsidies, doctors, prescriptions, and coverage types.</p><a class="health-btn-red" href="tel:18006198959">
1965800-619-8959</a></div> 1966 <div class="health-contact-card"><div class="health-contact-icon">@</div><h3>Start online</h3><p>Send your basic information and a team member can follow up with next steps.</p><a class="health-btn-red" href="https://directinsurancesol.com/health-insurance-quotes/">Get started →</a></div> 1967 <div class="health-contact-card"><div class="health-contact-icon">ID</div><h3>Prepare your details</h3><p>Have your ZIP code, household size, estimated income, doctors, prescriptions, and current coverage status ready.</p><a class="health-btn-red" href="#health-enroll">Review requirements</a></div> 1968 </div> 1969 <div class="health-disclaimer"> 1970 <h3>Health insurance disclaimer</h3> 1971 <p>Direct Insurance Solutions is not a government agency and is not affiliated with or endorsed by HealthCare.gov, CMS, HHS, or any state Marketplace.</p> 1972 <p>This page is for general educational purposes only. Plan availability, premiums, benefits, provider networks, drug formularies, subsidies, eligibility, and enrollment rules vary by state, county, carrier, household, income, and enrollment period.</p> 1973 <p>Marketplace subsidy eligibility and final enrollment determinations are made through the applicable Marketplace or carrier. Coverage is not active until required enrollment steps are complete and the first premium is paid by the deadline.</p> 1974 <a href="https://www.healthcare.gov/" target="_blank" rel="noopener">Visit HealthCare.gov →</a> 1975 </div> 1976 </div> 1977</section> 1978
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