Health Insurance Options for Young Professionals

You’re building your career and independence—health insurance shouldn’t slow you down or empty your bank account. True North Associates specializes in helping young adults in their 20s and 30s find the right coverage, whether you’re coming off a parent’s plan, moving to a new state, or freelancing with unpredictable income. We compare marketplace and private alternatives, explain the trade-offs in plain English, and help you enroll fast—so you can move forward with confidence.

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Beyond the Marketplace: Decision Guide for Young Adults

Most advice stops at the ACA Marketplace, but you have more choices. We help you compare all available paths: Marketplace plans (with or without subsidies), short-term health insurance, fixed indemnity coverage, and even gap plans for short waits between jobs. You’ll see the premium, out-of-pocket costs, what’s covered (and what’s not), and get a straight answer about when to avoid certain plans.

Life Moments Where We Help

Turning 26

You’re aging off a parent’s health plan—now what? We guide you through the transition, whether you qualify for a special enrollment period, need a fast-start private plan, or just want advice on the lowest-cost option for your situation.

New Job (or Waiting Period)

Starting a job with a waiting period? We help you choose temporary coverage, so you’re not left uninsured—even if you’re moving between states or working a new hybrid role.

Side Hustles, Freelancing, or Inconsistent Income

If your income varies or you’re juggling multiple gigs, we help you pick coverage that won’t break your budget and fits your real-life usage—pay for what you need, avoid what you don’t.

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Simple, Adviser-Led Process

You don’t have to waste hours researching or worrying about missing a deadline.


Our simple process: We have a quick intake call to assess needs → I take time to understand your unique situation → I provide a side-by-side plan comparison → I give my honest recommendation → I help you with enrollment.


We’ll clarify cost vs. coverage for your real usage, and make sure you know your risks, not just the lowest monthly premium.

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Your Questions, Answered

  • What do I do for health insurance after I turn 26?

    You have several options: a parent’s COBRA, employer plan if eligible, an ACA Marketplace plan, or private coverage (short-term, indemnity). We’ll guide you to the most cost-effective solution based on your health needs and future plans.

  • Is the marketplace my only option?

    No—the marketplace is a good fit for many, but alternatives exist, especially if you don’t qualify for subsidies or only need coverage for a short period. We compare all your options and explain pros and cons clearly.

  • What’s a short-term health insurance plan?

    Short-term plans provide temporary coverage (often for a few months up to a year), and are great if you’re between jobs or need a stopgap. They’re less comprehensive than marketplace plans and may not cover pre-existing conditions, but can save you money if you’re generally healthy.

  • Can I get health insurance outside open enrollment?

    Yes. Many private and short-term plans allow you to enroll year-round. Special enrollment windows apply if you’ve had a qualifying life event, and we’ll help you figure out what you’re eligible for.

Find Coverage That Fits Your Real Life

Skip the confusion, skip the pressure—get clear, budget-friendly health insurance advice for your 20s and 30s. Schedule a quick call, and you’ll be done in one step, with a plan you actually understand.