Individual & Family Health Insurance
Kryder Cares can provide you with a wide array of products and services from a variety of respected insurance and benefits providers. We obtain and evaluate proposals from all available carriers. We can introduce and educate you or your family on the benefits.
Our agency offers a complete line of insurance products and services. These products and services are designed to provide solutions to your financial needs.
Services Offered
We’d be happy to evaluate your current coverage and present you with side-by-side comparisons.
- Dental
- Health
- Life Insurance
- Accident Plans
- Indemnity Plans
- Long Term Care
- Short Term Medical
- Medicare
- Vision
- Critical Illness/Cancer
- TeleMedicine
- Travel Medical
ACA Open Enrollment for 2027 and What Changed
Ohio, Michigan, Indiana and Florida all use HealthCare.gov. Open Enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage that starts January 1. If you enroll between December 16 and January 15, coverage starts February 1.
The enhanced premium tax credits that many families relied on expired at the end of 2025, and Congress has not restored them as of October 2026. For 2027, premium tax credits are generally available for household incomes between about 100% and 400% of the federal poverty level. Above 400%, there is generally no credit. Cost-sharing reductions on Silver plans remain for incomes up to 250% of the poverty level.
Repayment caps on excess advance credits no longer apply, so if your income turns out higher than you estimated, you may owe back more at tax time. Insurers also proposed a median premium increase of about 15% for 2027, according to Peterson-KFF. Please review your 2027 renewal rather than letting it auto-renew. Kris is a licensed agent, not a tax adviser, so check tax questions with a tax professional. See ACA Marketplace plans for more.
On-Exchange vs. Off-Exchange Plans
On-exchange plans are sold through the Health Insurance Marketplace at HealthCare.gov. These are the only plans that can come with premium tax credits and cost-sharing reductions. If your income may qualify you for help, an on-exchange plan is usually where to start.
Off-exchange plans are ACA-compliant plans bought directly from an insurance company. They follow the same coverage rules, but you cannot apply a premium tax credit to them. They can make sense if your income is too high to qualify for a credit, or if a particular plan or network is only offered off-exchange.
Short-term medical is different. It is not ACA-compliant, may exclude pre-existing conditions and has benefit caps. It can work as a temporary bridge, but it cannot replace Marketplace coverage for subsidy purposes.
Supplemental Coverage to Fill the Gaps
Even a good major medical plan can leave you with deductibles and out-of-pocket costs. Supplemental products can help. Hospital indemnity pays fixed cash benefits per admission or day in the hospital. Accident and critical illness or cancer plans may pay a lump sum after a covered event. Dental, vision, telemedicine and travel medical plans cover needs a health plan may not.
These products are not major medical insurance and do not replace it. Kris can show you how they fit alongside your health plan and budget.
Kryder Cares is not affiliated with HealthCare.gov or the federal Health Insurance Marketplace. Plan availability, premiums and savings depend on where you live and your household income. You can also enroll directly at HealthCare.gov or by calling 1-800-318-2596.