You shouldn't have to figure this out alone.
Buying health insurance on your own feels like it was designed to be confusing. Healthcare.gov lists dozens of plans, each with different premiums, deductibles, copays, networks, and out-of-pocket limits — and the names alone tell you nothing. What's the difference between a Silver 70 and a Silver 73? Why does one plan cost $200 less per month but have a $4,000 higher deductible? Is the savings worth the risk?
Then there's the subsidy calculation. Your income determines how much the government helps with your premium — but the rules aren't intuitive. What counts as income? What happens if your income changes mid-year? And for 2026, the rules changed again — the enhanced subsidies that were in place since 2021 expired at the end of 2025, which means many people are seeing significantly higher premiums than they paid last year. Navigating this on your own is a recipe for overpaying or ending up underinsured.
Most people either pick the cheapest plan and hope for the best, or pick the most expensive plan because it feels safer. Both are usually wrong. The right plan depends on your specific situation — your health needs, your doctors, your prescriptions, your budget, and your tax picture. That takes someone who does this every day, not a website with a hundred options and no guidance.
We help people in moments that matter.
You're staring at a COBRA quote that costs more than your mortgage. You know there have to be better options, but you're not sure where to start or what you qualify for. We'll help you find marketplace coverage, calculate your subsidy, and make sure you're not overpaying for a plan you don't need. This is what we do every day.
No employer plan means you're on your own — but being on your own doesn't mean you have fewer options. It actually means you have more. Between marketplace plans, HSA-eligible high-deductible plans, and short-term coverage, there's a right answer for your situation. We'll find it. And if your business grows and you start hiring, we're already here to help you think about employee benefits when that day comes.
You're 58, or 62, or 64 — and your employer coverage is ending. You're too young for Medicare and too old to feel comfortable winging it. Marketplace plans can bridge the gap, and the subsidy structure may work in your favor depending on your retirement income. We'll help you navigate the transition — and when you're ready for Medicare, our partner specialists handle that side too.
This is probably the first time you've had to pick your own health insurance, and it feels overwhelming because it is. You don't know what a deductible is, what network your doctor is in, or whether you even qualify for help paying for it. That's fine. We'll explain everything, help you understand your options, and get you enrolled in something that actually fits your life and your budget.
Having a baby is a qualifying life event, which means you can enroll or change your coverage outside the normal enrollment window. But you need to act fast, and you need a plan that covers maternity, pediatric care, and the doctors you want to see. We'll make sure you don't miss the window and that your coverage is right for what's coming.
This is what we do. It's all we do.
Nexus is a health insurance specialty firm. We don't sell property insurance, auto insurance, or financial products. We do health benefits — for employers and individuals — and we've built a team around that focus.
On the individual side, we serve hundreds of clients across Michigan — small business owners, sole proprietors, early retirees, families in transition, and employees navigating ICHRA benefits from employers we work with on the other side of our practice. Our agents are specifically trained for individual marketplace enrollment, subsidy calculation, and plan comparison. They know Priority Health, Blue Care Network, and every individual carrier in the Michigan market at the plan level — not as names on a list, but as plans they work with every day.
For clients approaching Medicare eligibility, we work with a partner practice that specializes in Medicare Advantage, Medigap, and Part D — so the transition from marketplace coverage to Medicare is seamless. You don't get handed off to a stranger. You get introduced to someone we trust and work with directly.
Most agents who help with marketplace enrollment do it as one small part of a much larger practice. For us, it's a core part of what we do — and that depth shows up in the quality of the guidance you receive.
Hundreds of individual clients served
Across Michigan
Michigan marketplace specialists
Individual & family focus
Seamless Medicare transition
Through trusted partners
Your employer gave you money to buy your own plan. Now what?
If your employer has adopted an ICHRA — an Individual Coverage Health Reimbursement Arrangement — they're giving you a monthly allowance to purchase your own individual health insurance. It's a model that's growing fast, and it can be a great deal. But it means you're now responsible for choosing your own plan on the marketplace, and that's where most people get stuck.
Here's what you need to know: the plan you pick determines how far your ICHRA dollars go, whether your doctors are covered, what you'll pay out of pocket, and whether the total cost works in your favor. Get it right and you could end up with better coverage than a traditional group plan at a lower total cost. Get it wrong and you're overpaying, underinsured, or both.
Here's what makes us different: we're likely the firm that helped your employer set up the ICHRA in the first place. We work with employers across West Michigan to design and implement ICHRA benefits — and then we guide their employees through the individual plan selection process. That means we understand your benefit from both sides. We know what your employer intended, how the contribution is structured, and exactly how to help you maximize it.
You're not being handed off to a call center or a self-service portal. You're working with the same firm your employer trusts with their benefits strategy.
What we actually do for you.
This isn't a website that spits out plan recommendations. It's a person who sits down with you and figures out the right answer.
Calculate your real cost.
We don't just show you premiums. We calculate your subsidy, model your total annual cost including deductibles and copays, and show you what you'll actually pay — not what the sticker price says.
Check your doctors and prescriptions.
Before we recommend anything, we verify that your doctors are in-network and your prescriptions are on formulary. A cheap plan that doesn't cover your cardiologist isn't a savings — it's a trap.
Explain the trade-offs honestly.
Every plan is a trade-off between premium, deductible, network, and out-of-pocket max. We'll walk you through the math on 2-3 options that make sense for your situation and explain exactly what you're getting and giving up with each one.
Handle the paperwork.
Once you decide, we handle the enrollment. We make sure everything is submitted correctly, your effective date is right, and you don't fall through any administrative cracks.
Stay available after you're enrolled.
Got a bill that doesn't look right? Need to change your plan? Have a life event that triggers a special enrollment period? We're still here. You don't go back to navigating this alone.
How it works.
We talk.
A quick conversation about your situation — your healthcare needs, your budget, your doctors, your prescriptions. No forms, no pressure. Just a conversation.
We research.
We review all available plans, calculate your subsidy, check provider networks, and narrow down to the best options for you. This is the work that takes hours if you try to do it yourself. We do it every day.
We explain.
We present 2-3 options that make sense and walk you through the differences. You'll understand exactly what you're getting, what it costs, and why we're recommending it.
We enroll.
Once you decide, we handle the enrollment paperwork and make sure everything is set up correctly. We're here if you have questions later — this isn't a one-time transaction.
Better access to care — even before you use your insurance.
Once you have the right health plan, there's something else worth knowing about. Integrity Well-Being is a direct primary care benefit powered by Amaze Health that offers access to primary care, specialist consultations, behavioral health, and second opinions. Membership terms and costs depend on the arrangement available to you.
It's not a replacement for your health insurance. It's a complement to it — a way to get care faster, avoid unnecessary ER visits, and have a medical team available when you need one. It's particularly valuable if your marketplace plan has a high deductible, because you can access primary care without triggering that deductible.
If your employer offers ICHRA through Nexus, ask us about adding Integrity Well-Being alongside your individual plan.
Common questions.
Let's find you the right plan.
Open enrollment or special enrollment — we're ready when you are. Just a conversation with someone who does this every day.