From first jobs to retirement — we have you covered at every turn.
Stone Harbor Insurance offers comprehensive coverage options from leading carriers — ACA health plans, life insurance, Medicare solutions, and supplemental policies. Our licensed agents guide you through every option, explaining what each plan covers and helping you find the best fit for your family's needs and budget.
Whether you're self-employed, between jobs, or don't have coverage through your employer, ACA plans offer comprehensive coverage at often-subsidized rates. Our agents help you navigate the marketplace, identify your subsidy eligibility, and select a plan that covers your doctors and medications.
The ACA, also known as Obamacare, is a federal law that established the Health Insurance Marketplace. It requires plans to cover essential health benefits and prohibits insurers from denying coverage based on pre-existing conditions. Many families qualify for subsidies that dramatically reduce monthly premiums.
The Open Enrollment Period typically runs November 1 through January 15. However, qualifying life events — such as losing job-based coverage, getting married, or having a baby — trigger a Special Enrollment Period, allowing you to enroll any time of year.
Most of our clients qualify for premium tax credits (subsidies) that can reduce monthly premiums to as low as $0. Eligibility is based on your household income and family size. Our agents will determine exactly what you qualify for at no cost to you.
Life insurance is one of the most important decisions your family will ever make. Whether you need a term policy to protect your family during your working years or whole life coverage that builds cash value, we'll help you find the right amount of coverage at a price that works for your budget.
Term life insurance provides coverage for a set period (10, 20, or 30 years) and is generally the most affordable option. Whole life insurance provides permanent coverage and builds a cash value component over time. The right choice depends on your goals, budget, and family situation — we'll help you decide.
A common guideline is 10–12x your annual income, but the right amount depends on your debts, dependents, and financial goals. Our agents will walk you through a needs analysis to determine the right coverage amount for your specific situation.
Not always. Many carriers now offer simplified-issue and guaranteed-issue policies that don't require a full medical exam. Eligibility and rates vary. We'll match you with the best option based on your health profile.
Turning 65 or approaching Medicare eligibility? The choices are overwhelming — Medicare Advantage, Original Medicare, Medigap Supplements, and Part D drug plans. Our licensed Medicare agents simplify everything, helping you compare options and enroll in the plan that covers your doctors, prescriptions, and preferred hospitals.
Original Medicare (Parts A & B) is government-issued coverage. Medicare Advantage (Part C) is an alternative offered by private insurers that often includes additional benefits like dental, vision, and prescription drug coverage. Many Advantage plans have $0 premiums. We'll compare both options for your specific situation.
You become eligible at age 65. Your Initial Enrollment Period is a 7-month window around your 65th birthday. Enrolling late can result in permanent premium penalties, so it's important to act on time. We'll guide you through every deadline.
Yes. Every fall during the Annual Enrollment Period (October 15 – December 7), you can switch Medicare Advantage plans or add/change Part D coverage. Our agents will review your plan each year to make sure it still fits your needs.
Even with good health insurance, unexpected medical events can leave you with significant out-of-pocket costs. Supplemental and critical illness policies pay a cash benefit directly to you — covering deductibles, living expenses, and anything else that comes up while you recover.
Supplemental policies (such as those offered by Aflac) pay cash benefits for specific events — hospitalizations, accidents, critical illnesses like cancer or heart attack. The cash goes directly to you, not to a hospital, so you can use it for medical bills, rent, groceries, or anything you need.
Many people with health insurance still face significant out-of-pocket costs from deductibles and copays. Supplemental insurance fills those gaps. It's especially valuable for families with high-deductible plans.
Critical illness policies pay a lump sum if you're diagnosed with a covered condition such as cancer, heart attack, or stroke. The benefit helps you focus on recovery without financial stress.
That's exactly why we exist. Talk to a licensed Stone Harbor agent — we'll listen first, then recommend.
Talk to a Licensed Agent →Call us: (855) 267-7633 | info@stoneharborinsurance.io
