Coverage for every stage of life and business
Whether you're buying your own plan, protecting your family, or setting up benefits for a team, the hard part is the same. Every plan looks similar until you read the fine print.
Dobson Health Insurance Group has been reading that fine print for clients since 2008. We're independent, so we compare plans from several carriers and recommend the one that fits your doctors, your prescriptions, and your budget.
Our help costs you nothing
Federal law requires insurers to charge the same premium whether you buy through a broker, directly from the carrier, or on HealthCare.gov. The insurance company pays our commission, and it's already part of the rate.
2027 open enrollment is open now. Enroll by December 15 for individual and family coverage that starts January 1.
See Individual PlansOur insurance services
Pick the coverage you're looking for. Each page explains how it works and what it costs.
Individual and Family Health Insurance
ACA Marketplace and private plans for people who buy their own coverage. We check your doctors and prescriptions and make sure you get every dollar of tax credit you qualify for.
Explore individual and family plansSmall Business and Group Health Insurance
Group plans, level funding, and ICHRA compared side by side. We run enrollment for your team and negotiate every renewal.
Explore small business coverageLife Insurance
Term, whole, and final expense policies from multiple carriers. We help you figure out how much coverage your family would actually need.
Explore life insuranceDental and Vision Insurance
Cleanings, crowns, eye exams, and glasses. Most adult health plans leave these out, and you can usually enroll any month of the year.
Explore dental and visionNot sure what you need?
Start with the situation that sounds most like yours.
I'm self employed, retired early, or my kid is turning 26
You need your own health plan. Start with individual and family coverage.
Individual and family plansI own a business and want to offer benefits
Group plans and ICHRA both work for small teams. There's no federal requirement under 50 employees.
Small business coveragePeople depend on my income
A new baby, a mortgage, or a spouse who counts on your paycheck all point to life insurance.
Life insuranceMy health plan won't pay for cleanings or glasses
That's normal for adult plans. Dental and vision coverage fills the gap for a small monthly cost.
Dental and visionWhy work with an independent broker?
Going direct doesn't save you money. The broker commission is built into every plan's rate whether you use a broker or not.
What you get with us is someone who reads the fine print. Two plans can look almost identical until one leaves out your specialist or puts your daily medication on the most expensive drug tier. We catch that before you enroll.
What you get with Dobson
- Plans from several carriers compared side by side
- A real recommendation, not just help filling out a form
- Your doctors and prescriptions checked before you enroll
- Help with claims and income changes all year
- A plan review every fall before renewal
Insurance carriers we work with
We're contracted with the major carriers, so we can shop your coverage across all of them.
Understanding Our Process
The same four steps for every type of coverage.
Understanding your needs
A short call about your household or team, your doctors, your prescriptions, and your budget.
Comparing carriers
We quote across carriers and narrow it down to the two or three options that fit best.
Enrolling you
You choose. We handle the application and confirm any tax credits.
Yearly plan review
We check back before every renewal so your coverage keeps up with your life.
Frequently asked questions
Does it cost more to buy health insurance through a broker?
No. You pay the same premium whether you buy through a broker, directly from the insurance company, or on HealthCare.gov. Federal law requires insurers to charge the same rate no matter where the plan is sold. The broker's commission is already built into that rate.
How does a health insurance broker get paid?
The insurance company pays the broker a commission when you enroll, and again each month or year you keep the plan. You are never billed for it.
What is the difference between an agent, a broker, and a Marketplace navigator?
An agent may work for a single insurance company. A broker can represent several companies and compare across them. A navigator is trained by the Marketplace and can walk you through the application, but isn't allowed to recommend a specific plan. A licensed broker can look at your doctors, prescriptions, and budget and tell you which plan fits.
How do I know a health insurance broker is legitimate?
Check your state's department of insurance for an active health license. Every state runs a free lookup. If the broker is helping you with a Marketplace plan, also confirm they appear on the CMS Agent and Broker Registration Completion List for the current year. A broker also needs your permission before enrolling you or changing your plan.
When is open enrollment for health insurance?
For 2027 coverage on HealthCare.gov, open enrollment runs November 1, 2026 through January 15, 2027. Enroll by December 15 for coverage that starts January 1. Some state exchanges set their own dates. Dental, vision, life, and small business group plans aren't tied to that window.
Talk to a licensed broker today
Call Dobson Health Insurance Group or request a free quote. Tell us what you need covered and we'll take it from there.
Last reviewed November 6, 2026. Open enrollment dates apply to 2027 HealthCare.gov coverage.
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