Customized care, clear guidance, and confidence in coverage.

Health Insurance Expertise at Legacy

Health insurance today isn’t one-size-fits-all. Whether you’re an individual, employer, or executive team member, Legacy Insurance Services brings clarity and strategy to every conversation. We help you select the right coverage for care, compliance, and confidence.

Core Health Insurance Coverage Types

Individual Health Insurance

Tailored for self-employed individuals, families, or early retirees.

  • Marketplace (ACA) Plans – Government-compliant plans for those with predictable needs or qualifying income.

  • Private Health Plans – Ideal for high-income earners, business owners, or healthy individuals wanting more control over costs.

  • Short-Term Health Plans – Temporary, flexible coverage for transitions.

  • ICHRA (Individual Coverage Health Reimbursement Arrangement) – Businesses reimburse employees for individual health plans with tax advantages.

Group Health Insurance

Ideal for businesses seeking competitive benefits, tax advantages, and team retention.

  • Fully Insured Group Plans – Traditional group health with guaranteed-issue options.

  • Level-Funded Plans – Offers underwriting and potential savings based on claims performance.

  • ICHRA Strategy – Shifts plan choice to employees while maintaining employer reimbursement and compliance.

Medicare & Retirement Coverage

Support for individuals aging into Medicare or needing guidance on secondary plans.

  • Original Medicare (Parts A & B)

  • Medicare Advantage Plans

  • Part D Prescription Drug Coverage

  • Medigap/Supplemental Plans

Owner & Executive Benefits

Specialized coverage designed to support succession, tax planning, and executive retention.

  • Executive Disability

  • ICHRA + HSA Funding – Long-term tax-advantaged savings and protection

Supplemental & Ancillary Coverages

  • Dental & Vision Plans

    Standalone or embedded coverage for preventive and corrective care

  • Group Life Insurance

    Base-level life protection for employees or executives

  • Accident/Injury Gap Plans

    Covers unexpected injuries not included in major medical

  • Hospital Indemnity

    Pays fixed benefits for hospital stays and procedures

  • Critical Illness Plans

    Lump-sum coverage for cancer, heart attack, stroke, etc.

  • Short- & Long-Term Disability

    Replaces income in the event of injury, illness, or pregnancy leave

How Legacy Supports You

  • Plan Matching & Strategic Design
    We review income, risk tolerance, and long-term goals to guide selection from ACA, private, or employer strategies.

  • Compliance & Tax Optimization
    Whether designing a group plan or using ICHRA or WageUp™, we optimize for tax savings and compliance.

  • Carrier Access & Comparison
    We pull quotes from top-rated carriers, including employer-sponsored and self-funded plan platforms.

  • Ongoing Support & Advocacy
    From onboarding to claims questions, our health advisors stay involved for support—not just during enrollment.

  • Policy Updates & Annual Reviews
    Your health needs evolve—so should your coverage. We help you refine choices year over year, indicating opportunities to save or improve protection.

Why Legacy Makes Better Coverage Possible

  • No one-size-fits-all: Unlike large brokers, we tailor coverage—not quotas.

  • Simplified decisions: We cut through the jargon and clarify actual cost vs. value.

    You benefit from side-by-side quotes and carrier insight—so you can make informed decisions quickly.

  • Holistic support: From enrollment to life changes, we safeguard your coverage and your peace of mind.

What Working with Legacy Looks Like

  • One-on-one consultation

    We'll clarify whether you need individual, family, or group coverage—and why.

  • Side-by-side plan comparison

    We present options from marketplace and private carriers, explaining differences in cost and design.

  • Clear decision support

    We breakdown premiums, networks, and out-of-pocket structures so you choose with clarity.

  • Ongoing advocacy

    Life changes? We’ll guide you on COBRA, special enrollment, dependent additions, and more.

The Legacy Promise

More than a policy. It's a partnership.

At Legacy Insurance Services, we don’t offer one-size-fits-all solutions. We make a promise—to every client, every time—to walk alongside you with clarity, intention, and genuine care. Because we’re not just protecting your assets. We’re helping you protect your legacy.