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.
You leave with: an appointment on the calendar and nothing to figure out alone.
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.
You leave with: several clear choices you actually understand.
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.
You leave with: an 'ohana in your corner, not a policy in a drawer.
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. Just 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. And even if you & your spouse don't qualify for coverage, your children may still qualify.
- 3
If you're healthy and have an EIN or DOL…
an ERISA group health plan (available down to one employee) may deliver stronger coverage at a significantly-reduced cost.
- 4
If you're healthy without an EIN…
there are still underwritten alternative plans that may be a great fit, at a much lower rate, depending on your state.
Cash-Benefit Layer: Protecting Your Income & Assets
Here's the part almost nobody explains: there's a whole suite of benefits that pays cash directly to YOU, not to a hospital or a doctor's office. These policies put money in your pocket for injuries, illnesses, income replacement, life events, and more, on top of whatever your health insurance pays (or doesn't pay). When life happens, that cash helps cover the bills that keep coming: rent, groceries, car payments, etc...
Health insurance protects you from big bills. Voluntary benefits protect your cash flow.
The Wayfinder™
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. Nothing you enter leaves your screen.
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.