Who We Serve
If you’re feeling unsure about your insurance choices, you’re not alone. Most people don’t need “more information”—they need clear direction, explained in plain language, with the trade-offs laid out before they commit. True North Associates serves individuals and families across multiple states, helping you compare options for Medicare, health coverage, Medicaid support, and retirement planning. Whether you’re planning ahead or facing an urgent decision, you’ll get calm, independent guidance you can trust.
You’re in the Right Place If…
You’re in the right place if you want real answers without pressure. Maybe you’re turning 26 and losing coverage, self-employed and priced out of the marketplace, or between jobs and need something fast. Maybe you’re retiring early and need a bridge to Medicare, turning 65 and worried about deadlines, or helping a parent who can’t afford rising healthcare costs. You might even be enrolled already and simply want an annual review to make sure your plan still fits. Whatever brought you here, we’ll help you make a decision you can feel confident about.
Who We Serve by Life Stage & Situation
Young Professionals
Navigating health insurance in your 20s or 30s can feel confusing—especially when you’re aging off a parent’s plan, starting a new job, freelancing, or moving to a new state. We help young professionals compare real options in plain language, including marketplace and private alternatives, so you understand the trade-offs before you enroll. From fast coverage during job transitions to budget-friendly plans for generally healthy adults, you’ll get clear guidance designed around your lifestyle, income, and future plans.
Gig and Service Workers
If your job doesn’t offer benefits, figuring out health insurance can feel frustrating and urgent at the same time. We help gig workers, restaurant staff, hair stylists, hospitality professionals, and other service-industry workers understand what they qualify for and how to get covered quickly. You’ll see affordable options explained clearly—including what’s covered, what isn’t, and how costs really work—so you can protect yourself without overpaying. Whether your schedule changes weekly or you’re between roles, we guide you to flexible coverage that fits real life.
Between Jobs, Contract Gaps & Waiting Periods
When you’re between jobs—or waiting for new benefits to start—health insurance can feel urgent and high-stakes. We help you compare your fastest, safest options, including COBRA, marketplace coverage, and private alternatives where appropriate. You’ll get clear guidance on timing, start dates, prescriptions, and real costs, so you can avoid accidental gaps and expensive surprises. Whether your transition lasts a few weeks or a few months, we’ll help you stay protected with a plan that makes sense.
Turning 65 or New to Medicare
Medicare can feel like a maze—especially when you’re trying to avoid penalties, meet deadlines, and choose between Advantage and Supplement plans. We guide you through your real choices based on your doctors, prescriptions, budget, and how you want care to work. You’ll get clear plan comparisons and enrollment support, plus ongoing annual reviews as plans and formularies change.
Early Retirees (60–64) Bridging to Medicare
Retiring before 65 is exciting, but the health insurance gap can be stressful and expensive. We help you create a bridge strategy that fits your timeline and your risk tolerance, including realistic options beyond just COBRA or the marketplace. You’ll know what to do now, what to plan for later, and how to transition smoothly into Medicare when the time comes.
Self-Employed, Freelancers, and Business Owners
When you work for yourself, you need coverage that matches real life: variable income, contract gaps, and unpredictable months. We help you compare marketplace and non-marketplace paths, evaluate what’s best for your health needs, and build a plan that supports your cash flow. This isn’t a one-size-fits-all decision—and we treat it that way.
Caregivers & Adult Children Helping Parents
Helping a parent with Medicare or Medicaid can feel overwhelming, especially if you’re trying to learn everything quickly while also managing work and family. We support caregivers with calm, step-by-step guidance, including what to gather, how to compare plans, and how to reduce avoidable costs. If Medicaid or dual eligibility may apply, we help you understand those pathways too.
What You Can Expect When You Work With True North
Working with an independent insurance adviser means you get options—not a one-carrier pitch. Our process is built around education, transparency, and real-world comparisons based on plan rules, provider access, prescriptions, and total cost—not just premiums. We’ll explain the pros and cons clearly so you can make a decision you actually understand. And we don’t disappear after enrollment—annual reviews and ongoing support are part of how we serve you.
Your Questions, Answered
What does an independent insurance adviser help with?
An independent adviser helps you compare options across multiple carriers and plan types, not just one company’s products. We focus on making sure you understand the trade-offs before you choose, including costs, coverage rules, and enrollment timing. You get guidance that’s based on your situation—not pressure or quotas. The goal is a plan that fits your life and your budget.
Can someone help me compare Medicare plans?
Yes—and Medicare comparison is one of our core services. We compare Medicare Advantage, Medicare Supplement (Medigap), and Part D options based on your doctors, prescriptions, and financial priorities. We also help you understand enrollment windows and what decisions need to happen now versus later. Most importantly, we explain everything in simple terms so you can choose confidently.
What are my options besides the health insurance marketplace?
Depending on your state and situation, there may be alternatives such as short-term medical coverage, fixed indemnity plans, or other private options. These plans can be more affordable, but they also have limitations—so they’re not right for everyone. We walk you through what’s covered, what isn’t, and how to avoid surprises. You’ll get a realistic recommendation based on your needs.
Do you help with Medicaid or Medicare savings programs?
Yes. We help you understand Medicaid eligibility basics and how Medicaid may coordinate with Medicare for seniors. We also explain Medicare Savings Programs and dual-eligible plan options when they apply. For complex legal planning, we may recommend working with an elder law attorney, but we’ll help you understand what questions to ask and what to expect. The goal is to reduce stress and help you find real cost relief.
Who can I talk to about Medicare in my state?
True North Associates supports clients across 17 states and can obtain licensure in new states quickly. With virtual meetings and deep knowledge of local rules, you get relevant answers wherever you live.
Do you work with younger adults too, or only Medicare clients?
We work with both. Many clients come to us after turning 26, becoming self-employed, losing employer benefits, or finding ACA plans too expensive. We help you compare options and choose coverage that fits your real life—not just a default marketplace plan. Under-65 coverage is a major focus of our work.
Not Sure Where You Fit? Let’s Figure It Out Together
You don’t need to have the perfect question or know the right terms to get started. If you’re overwhelmed, stuck, or just want an expert to help you choose a direction, we’ll guide you step by step. You’ll get clear answers, honest trade-offs, and a plan you can understand—without pressure.
