Finding the right health insurance under 65 can feel like a full-time job - ACA plans, PPO options, short-term coverage, subsidies. As an independent broker, Jeff Janosick helps individuals and families across Northern Kentucky and Cincinnati sort through it all. Always with your best interests in mind, and often free to you.
We shop every option across Northern Kentucky and Greater Cincinnati to find the right fit — at no cost to you.
Unlike Medicare, health insurance under 65 has specific enrollment windows. Here's what to know.
The Affordable Care Act (ACA) Marketplace Open Enrollment Period (OEP) for 2027 coverage runs from November 1, 2026, to December 15, 2026. To secure coverage that begins on January 1, 2027, you must complete your enrollment and pay your first premium by the December 15 deadline.
State-Specific Variations & DeadlinesWhile most states utilizing the federal exchange (HealthCare.gov) enforce the December 15 deadline, several states with their own marketplaces offer extended enrollment windows:
Kentucky (Your local state marketplace): December 31, 2026
Triggered by qualifying life events like losing job-based coverage, getting married, having a baby, or moving. You typically have 60 days from the event to enroll.
Open enrollment year-round — you can apply any time if you qualify based on income.
Real people, real coverage, real peace of mind. Here's what our clients across Northern Kentucky and Cincinnati have to say about working with MedMyWay.
"My wife and I were guided wonderfully through the Medicare sign-up process by Jeff. His knowledge of the different programs and companies for each of us with our different needs was just what we were looking for. The experience with Jeff and Med My Way was great and we would definitely recommend to anyone."
"Jeff was awesome to work with. I lost my medical insurance unexpectedly. Jeff was able to quickly answer my questions, help me find the best plan to meet my needs & helped me to enroll. Jeff made the process easy."
"Jeff did a wonderful job listening to my needs and making great recommendations. I recommend Jeff for all of my family and friends for all of their health insurance needs"
"A company I can have peace of mind working with! Very knowledgeable and professional !!!"
"Jeff has taken such great care of my family's health insurance needs. He is prompt with responses, informative (especially in the wake of the health insurance changes this year) and just a great all around guy!"
"I was referred to Jeff last year, and he has truly been a blessing. His support has been exceptional—he consistently goes above and beyond and is always thinking of new ways to help. We couldn’t be happier with his services."
"Jeff is great to work with . He is knowledgeable, efficient and personable. He makes navigating the complex Medicare world easy both for me and my husband. I highly recommend his services."
"Suzanne helped me understand a complicated and confusing system and I was able to choose a great plan. Thanks and keep up the great job."
"I’ve worked with Jeff for over 10 years now when I was not on Medicare and he helped me get on Medicare. He always gets back to me promptly and courteously. I have recommended many of my friends to him."
"Jeff is very easy to work with and is always trying to get the best option to serve you!"
"Jeff is very knowledgeable and great to work with."
"The best Insurance Agent, I have ever dealt with. He was amazing fast. I cannot thank him enough.!"
"Jeff was very helpful during the Medicare choice process. He brought solid experience, listened to my needs and brought viable options that helped me feel comfortable with the decisions. Was responsive and had great follow up. Would highly recommend Jeff and MED My Way"
"Jeff is absolutely the best he has always been there no matter what"
"Jeff was spectacular to work with. Very understanding and knew the business thoroughly. I can\'t recommend him enough. As an older self employed person it can be difficult to navigate individual health insurance. Jeff had me set up with a great plan in no time.I wish I could give him 10 stars"
"Did a great job with helping me. I am willing to recommend you."
"Jeff is very knowledgeable, professional and friendly. He made us very comfortable by making good recommendations on health care options we didn’t even know existed. Thank you!"
"I was referred to Jeff and met with him shortly before the selection deadline. He explained several plans to me so I was able to make an educated choice for my 2025 Medicare plan. I would definitely recommend Jeff to anyone looking for help navigating the complicated world of Medicare"
"Jeff and MedMyWay were absolute lifesavers when trying to get things set up during open enrollment. Safe to say things didn\'t go well on the other side of the computer and Jeff worked tirelessly with contacts on the other side to finally find the problem and get it resolved -- all during the crazy holiday period. I know we are glad we had Jeff in our corner to get things done in such an important area as healthcare. Would definitely recommend."
"Jeff J was professional and well informed. He answered all of our questions and gave us time to carefully consider our options. He helped us make a good choice for us."
ACA subsidies are based on your household income relative to the federal poverty level. Generally, individuals earning between 100% and 400% of the federal poverty level qualify for premium tax credits. In some cases, subsidies are available above that threshold. MedMyWay will calculate your estimated subsidy before you enroll so there are no surprises.
For Affordable Care Act health insurance, your income estimate is based on your household’s Modified Adjusted Gross Income, often called MAGI.
This is not always the same as your gross income or your take-home pay. For many people, a good starting point is your Adjusted Gross Income from your federal tax return, then adjusted for certain items.
The Marketplace generally looks at your estimated income for the year you want coverage, including income for everyone in your tax household who is required to file a tax return. Your income estimate may affect whether you qualify for premium tax credits, cost-sharing reductions, Medicaid, or other savings.
In simple terms, you should estimate income from sources such as:
Wages or salary
Self-employment income
Social Security income
Pension or retirement income
IRA or 401(k) withdrawals
Investment income
Rental income
Unemployment income
Other taxable income
For Marketplace purposes, MAGI generally starts with your Adjusted Gross Income and adds back certain items, such as non-taxable Social Security benefits, tax-exempt interest, and excluded foreign income, if they apply.
Yes — ACA Marketplace plans are required by law to cover pre-existing conditions and cannot charge you more because of them. Non-Marketplace PPO and short-term plans may have different rules, which is why working with an independent agent to find the right plan type is important.
HMO plans (common in ACA Marketplace) require you to choose a primary care physician and get referrals to see specialists. PPO plans allow you to see any in-network provider without a referral and often cover out-of-network care at a higher cost. PPOs offer more flexibility but typically come with higher premiums.
Yes — completely. Health insurance carriers compensate independent brokers like Jeff directly, so there's no cost to you for plan comparison, enrollment assistance, or ongoing support. The premium you pay is the same whether you work with MedMyWay or enroll on your own.
If you miss the Open Enrollment window and don't have a qualifying life event, your options are limited to non-Marketplace PPO plans or short-term health insurance until the next Open Enrollment period. MedMyWay can walk you through what's available and help you find the best short-term solution.
Whether you're new to the Marketplace, leaving a job, or just not sure your current plan still fits — we'll walk you through your options across every carrier we represent. No pressure, no jargon, and no cost to you. Let's find coverage you can feel good about.
