For Individuals & Families
You have more options than you think.
Most people think the ACA marketplace is the only door. Good news: it's not. Depending on your health, your income, and your life, there may be better options waiting for you. On this page you'll find your health insurance options, the cash-benefit layer that protects your income, a quick self-assessment, and real support whenever you're ready.
The Mana Journey™: Individual & 'Ohana Edition
We have a proven, structered process that helps you figure things out. Here's exactly what working with us looks like.
1Understand what options are available
Start with our honest map: when the ACA marketplace is right, when MedQuest is, and the options most people never hear about.
You leave with: real understanding, not sales pressure.
2Find your path
Take The Wayfinder™, our self-assessment. It shows you where you're covered, where you're exposed, and what's worth fixing first.
You leave with: an honest picture of where you stand, in about three minutes.
Take The Wayfinder™3Book & prepare
Schedule your free benefit consultation. We'll email you a short intake form, and returning it before we meet means we arrive fully prepared for you.
Book your consultation4Talk story & see your options
We listen first, then shop our carrier relationships and bring back bundled options with real numbers, along with our honest recommendation.
5Enroll & stay supported
We handle enrollment, then we stay close: claims questions, life changes, and an annual review so your coverage keeps fitting your life.
Core Benefit Layer: Health Insurance Options
Let's start with the foundation. There are more options available than most people realize. Here's an honest look at which one might be yours.
- 1
The ACA marketplace is right for you if…
you need guaranteed-issue coverage because of medical conditions.
- Or you qualify for the premium tax subsidy and want the lowest premium
- Go in with eyes open: most ACA plans carry high deductibles and out-of-pocket costs
- 2
MedQuest may be right if…
your income is low enough to qualify.
- Even if you and your spouse do not qualify for coverage, your children may still qualify
- 3
If you're healthy and have an EIN or DOL…
an ERISA group health plan may deliver stronger coverage at a significantly reduced cost.
- Available down to one employee
- This is group coverage, not an individual or Marketplace plan
- 4
If you're healthy without an EIN…
there are still underwritten alternative plans that may be a great fit.
- Often available at a much lower rate
- Availability depends on your state
Check out the licensed insurance options available in Hawaiʻi
Your options side by side, what each one costs, and who each one actually fits.
The Wayfinder™ for Individuals & Families
Answer honestly and we'll show you exactly where you're covered, where you're exposed, and what's worth fixing first.
About 3 minutes. Your answers stay on your screen. Nothing is saved or sent anywhere unless you choose to email yourself the results at the end.
Cash-Benefit Layer: Protecting Your Income & Assets
Here is the part almost nobody explains. There is a whole layer of coverage that pays cash directly to you, not to a hospital, for the bills that keep arriving while you recover.
Health insurance protects you from big bills. Voluntary benefits protect your cash flow.
Accident coverage
Cash benefits when injuries happen
Hospital and illness
Cash benefits for hospital stays, illnesses and surgeries
Critical illness and cancer
Large cash payouts on a covered diagnosis
Disability and paycheck protection
Replaces income when you cannot work
Life insurance
Several plan types, some with automatic qualification
Why cash benefits are just as important as health insurance
Wouldn't it be nice if you had insurance that paid YOU, so that you could pay rent, monthly bills, and everything else that keeps arriving?
Carriers we proudly represent
Some of our clients & friends
Not sure where to start?
That's exactly what we're here for. Take the Wayfinder above, book a time that works, or just call or text us at (808) 303-5040. A real person answers, and there's no pressure on the other end.