🏥 Health Insurance Options Made Clear

🔄What's Changing in Health Coverage for 2025

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Here’s what to expect for Marketplace coverage in 2025:

• Enhanced subsidies extended through 2025
  Many families will continue to qualify for higher tax credits based on income.

• Expanded Special Enrollment Periods (SEPs)
  More people can qualify to enroll mid-year due to events like losing Medicaid or moving.

• Increased penalties for short-term plans in some states
  (We'll guide you through what’s allowed in Louisiana.)

• Standardized plans gaining traction
  Easier-to-compare plans with uniform benefits may be more widely available.

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​​💡 We Help With:

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✔ Marketplace Health Insurance (ACA Plans)

We help you enroll in Affordable Care Act (ACA) health plans through Healthcare.gov.
These plans include:

• No-cost preventive care

• Coverage for pre-existing conditions

• Subsidies based on income

• Bronze, Silver, Gold, and Platinum plan options

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We'll walk you through your options, check for subsidies, and help you enroll—at no cost to you.

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✔ Short-Term Medical Plans

Need coverage right away or between jobs?
Short-term health plans offer:

• Fast approval (often within 24 hours)

• Flexible terms (30 days to 4 months)

• Lower monthly premiums

• Basic protection for accidents or illnesses

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Note: These plans are not ACA-compliant and may have coverage limitations. We’ll help you understand the pros and cons.

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✔ Hospital Indemnity Plans

These plans pay you cash if you're hospitalized—regardless of your main health insurance.

• Helps cover deductibles, co-pays, or lost income

• Great add-on to high-deductible Marketplace plans

• Affordable monthly premiums

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✔ Health Insurance for Small Businesses

Offer group health plans that help you attract and retain employees while managing costs.
We assist with:

• Plan selection

• Enrollment

• Compliance support

• Contribution strategies for your business

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💬 Why Clients Choose Couvillier Advisors

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• ✅ We Make It Simple: We explain your options in plain language—no confusing jargon.

• ✅ We Work For You, Not the Insurance Companies: We’re independent and unbiased.

• ✅ We Maximize Your Savings: We help you get every subsidy, credit, or discount you qualify for.

• ✅ We’re Local & Accessible: When you need help, you talk to a real advisor who knows your situation—not a call center.

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👪 Who We Serve

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• Individuals & families

• Self-employed & gig workers

• Early retirees

• People losing group coverage (COBRA alternatives)

• Small business owners offering employee benefits

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❓ Common Questions We Can Help Answer

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Do I qualify for a health subsidy or tax credit?
We’ll check your eligibility and help you apply.

What’s the difference between Bronze, Silver, Gold, and Platinum plans?
We’ll help you understand how premiums, deductibles, and co-pays compare.

Can I switch plans outside of Open Enrollment?
If you’ve had a qualifying life event—like moving, job loss, or a new baby—you may qualify for a Special Enrollment Period.

What if I just need something temporary?
Short-term health insurance could be a good option. We’ll help you weigh the pros and cons.

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📞 Get Personalized Health Insurance Help—Free of Charge

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As licensed health insurance advisors, we’re here to guide you—not sell you.
We’ll help you compare your options, apply for subsidies, and enroll in the right plan—all at no cost to you.

✅ Free, no-obligation consultations
✅ Licensed in Louisiana
✅ Local, independent, and client-focused

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Ready to get started?

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Let’s find the right health plan for your needs.