# The Benefits Boss

> A national virtual under-65 health insurance brokerage. Licensed advisors help self-employed individuals, families, and early retirees compare ACA Marketplace and private health plans, maximize subsidies, and book a free consultation.

## Core Pages
- [Home](https://www.thebenefitsboss.com/): Overview of The Benefits Boss and how to get covered
- [ACA / Marketplace Plans](https://www.thebenefitsboss.com/health-plans/aca/): ACA health plans, subsidies, and enrollment
- [Private Plans](https://www.thebenefitsboss.com/health-plans/private-plans/): Private and supplemental coverage options
- [ACA Subsidy Calculator](https://www.thebenefitsboss.com/aca-subsidy-calculator/): Estimate your premium tax credit
- [How It Works](https://www.thebenefitsboss.com/how-it-works/): The step-by-step process of getting covered
- [How We Choose Plans](https://www.thebenefitsboss.com/how-we-choose-plans/): Our plan-selection methodology
- [About](https://www.thebenefitsboss.com/about/): About the brokerage and its mission
- [FAQ](https://www.thebenefitsboss.com/faq/): Common questions about health insurance and our service
- [Reviews](https://www.thebenefitsboss.com/reviews/): Client reviews and testimonials
- [Join Our Team](https://www.thebenefitsboss.com/join-our-team/): Careers and agent recruiting
- [Contact](https://www.thebenefitsboss.com/contact/): Get in touch or book a consultation

## Blog
- [Will There Be Any Subsidies for ACA in 2026? What's Really Going On](https://www.thebenefitsboss.com/blog/will-there-be-subsidies-for-aca-in-2026/): Will there be any subsidies for ACA in 2026? Here's the real status, who's affected, and what to do if you no longer qualify.
- [Temporary Health Insurance Between Jobs: Your Best Coverage Options](https://www.thebenefitsboss.com/blog/temporary-health-insurance-between-jobs/): Temporary health insurance between jobs: compare COBRA, Marketplace, and private plans to find the best fit for your income and health needs.
- [Domestic Partner Health Coverage: Who Qualifies | The Benefits Boss](https://www.thebenefitsboss.com/blog/domestic-partner-health-coverage/): Domestic partner health coverage sounds simple until you see the tax bill. Here's who actually qualifies and what gets left out of the pitch.
- [How Long Does It Take to Get Health Insurance? When Coverage Actually Starts](https://www.thebenefitsboss.com/blog/how-long-does-it-take-to-get-health-insurance/): How long does it take to get health insurance? It depends on your path. Here's what to expect for Marketplace, SEP, COBRA, and private plans.
- [Can My Spouse Get Health Insurance Through the Marketplace? What to Know](https://www.thebenefitsboss.com/blog/can-my-spouse-get-health-insurance-through-the-marketplace-what-to-know/): Can my spouse get health insurance through the marketplace? Yes. Here's how subsidies, filing status, and enrollment timing actually affect your options.
- [Is It Illegal to Not Have Health Insurance? | The Benefits Boss](https://www.thebenefitsboss.com/blog/is-it-illegal-to-not-have-health-insurance-the-benefits-boss/): Is it illegal to not have health insurance? The federal fine is gone, but five states still charge one. Here's what actually applies to you.
- [Can I Add a Parent to My Health Insurance? What Most People Don't Know](https://www.thebenefitsboss.com/blog/can-i-add-a-parent-to-my-health-insurance/): Can I add a parent to my health insurance? The real answer depends on your plan, your taxes, and your state. Here's what most people don't know.
- [Insurance for Freelancers: How to Get Better Coverage Without Overpaying](https://www.thebenefitsboss.com/blog/insurance-for-freelancers/): Insurance for freelancers isn't one-size-fits-all. Learn the 2026 subsidy cliff, tax deductions, and HSA moves that actually lower your cost.
- [Turning 26 Health Insurance: What Happens Next & How to Avoid a Gap](https://www.thebenefitsboss.com/blog/turning-26-health-insurance-coverage-gap/): Turning 26 health insurance options: see what happens when you age off your parent's plan and how to avoid a costly coverage gap.
- [Health Coverage for Unemployed: Your Best Options After Losing a Job](https://www.thebenefitsboss.com/blog/health-coverage-for-unemployed/): Lost your job? Compare COBRA, Marketplace, Medicaid, and spousal coverage to find the best health coverage for unemployed workers today.
- [What Is a MEC Plan? Minimum Essential Coverage Explained (2026)](https://www.thebenefitsboss.com/blog/what-is-a-mec-plan/): If you've shopped health insurance recently, you've probably seen ads for "MEC plans starting at $89/month." Most of those ads gloss over what MEC actually means. Here's the truth.
- [How to Get Health Insurance If You're Self-Employed (2026 Guide)](https://www.thebenefitsboss.com/blog/self-employed-health-insurance/): If you work for yourself — freelance, contract, gig, small business — health insurance is one of the most expensive, confusing line items in your budget. Here's how to handle it.
- [ACA Subsidy Guide: How to Maximize Your Premium Tax Credit (2026)](https://www.thebenefitsboss.com/blog/aca-subsidy-guide/): More than 90% of people who shop on the ACA marketplace qualify for some kind of subsidy. Most don't realize how much. This guide walks you through exactly how subsidies work in 2026.

## Team
- [Lore Soto](https://www.thebenefitsboss.com/team/lore-soto/): Licensed Coverage Advisor
- [Marco](https://www.thebenefitsboss.com/team/marco/): Licensed Coverage Advisor
- [Gabriel](https://www.thebenefitsboss.com/team/gabriel/): Marketing & Growth
- [Max](https://www.thebenefitsboss.com/team/max/): Technology / BossHQ
- [Paul](https://www.thebenefitsboss.com/team/paul/): Operations
- [Morgan](https://www.thebenefitsboss.com/team/morgan/): Recruiting
- [Jerry](https://www.thebenefitsboss.com/team/jerry/): Finance & Compliance
- [Dakota Myers](https://www.thebenefitsboss.com/team/dakota-myers/): Licensed Coverage Advisor
- [Gui](https://www.thebenefitsboss.com/team/gui/): Marketing & Growth
- [Hash](https://www.thebenefitsboss.com/team/hash/): Technology / BossHQ
- [Arnie](https://www.thebenefitsboss.com/team/arnie/): Operations
- [Kyle](https://www.thebenefitsboss.com/team/kyle-recruiting/): Recruiting
- [Christy McFarland](https://www.thebenefitsboss.com/team/christy-mcfarland/): Licensed Coverage Advisor
- [Nyehl Howard](https://www.thebenefitsboss.com/team/nyehl-howard/): Licensed Coverage Advisor
- [Dhaathri](https://www.thebenefitsboss.com/team/dhaathri/): Technology / BossHQ
- [Kyle](https://www.thebenefitsboss.com/team/kyle/): Operations
- [Michael](https://www.thebenefitsboss.com/team/michael/): Operations
- [Tonya Baker](https://www.thebenefitsboss.com/team/tonya-baker/): Licensed Coverage Advisor
- [Jasper](https://www.thebenefitsboss.com/team/jasper/): Operations
- [Den](https://www.thebenefitsboss.com/team/den/): Operations
- [Mark Krantz](https://www.thebenefitsboss.com/team/mark-krantz/): Licensed Coverage Advisor
- [Michelle Stanley](https://www.thebenefitsboss.com/team/michelle-stanley/): Licensed Coverage Advisor
- [Kathleen](https://www.thebenefitsboss.com/team/kathleen/): Licensed Coverage Advisor
- [Kevin Crudup](https://www.thebenefitsboss.com/team/kevin-crudup/): Licensed Coverage Advisor
- [Kelia Fuentes](https://www.thebenefitsboss.com/team/kelia-fuentes/): Licensed Coverage Advisor