Individual + Family

Get the right health plan at your real, subsidy-adjusted cost
— enrolled cleanly, without guessing your way through open enrollment.

Huhn Insurance is your local, independent, FFM-registered broker for Individual & Family health insurance. We check every subsidy you qualify for, compare your real options, enroll you cleanly with documented consent, and handle your income and subsidy changes all year — not just at open enrollment.

Find Your Coverage Fit Or call 307-284-3060
Find Your Coverage FitOr call 307-284-3060
The Offer

The Coverage Fit Review

The right coverage at your real cost, every subsidy captured, enrolled cleanly — with a local person who handles your income and subsidy changes all year.

Huhn Insurance runs the Coverage Fit Review: we check your Marketplace eligibility and subsidy first, fit you to the right metal tier, network, and drug coverage, and bridge a true gap with a short-term plan only when an ACA plan does not fit. We enroll you cleanly with documented consent and reconcile your income and subsidy all year.

Huhn Insurance is your local, independent, FFM-registered broker for Individual & Family health insurance. We check every subsidy you qualify for, compare your real options, enroll you cleanly with documented consent, and handle your income and subsidy changes all year — not just at open enrollment.

Why use a broker

The premium is the same either way

Broker compensation is paid by carriers. Marketplace premiums are filed with the state and do not change because you enrolled through an agent. Any client-paid fee is disclosed in writing before engagement, and a formal compensation disclosure is provided consistent with the CAA.

The difference is every subsidy you qualify for checked and captured, plans compared on tier, network and drug fit — on and off exchange — and one FFM-registered person who keeps your income and subsidy current all year.

Desk with paperwork, computer and reading glasses
THE 2026 SUBSIDY-CLIFF PROBLEM

The rules changed —
and most people don’t know yet.

Enhanced credits expired
400% FPL cliff is back
Wyoming hit hardest
~87% of WY subsidized
Repayment caps removed
Drop coverage or overpay

Without a review, you either overpay or walk away uncovered.

+$22,452 a year
for benchmark silver for a 60-year-old in Wyoming at 401% of the federal poverty level, for 2026 coverage — one of the largest dollar increases in the country

Illustrative only. Every figure and percentage on this page is stated for 2026 coverage and reflects the rules as we understand them in August 2026. Federal and state rules change. Your eligibility and your actual amounts are reviewed individually — they depend on your household, income, age and ZIP code. We do not guarantee eligibility, approval, rates, plan availability or effective dates.

The Coverage Fit Review

7-Step Path

Three phases. Each one delivers a clear outcome before moving to the next.
Check → Fit → Enroll → Defend, all year,
run the same way every year by the same FFM-registered agent.
Phase 1 phase imagery
1
Phase 1
Check & Fit

Find your real options.

  • 1
    Eligibility + subsidy
    Check Marketplace eligibility with documented consent
  • 2
    Plan fit
    Compare tier, network, and Rx
You walk away with

A clear picture of your real options and what each will cost you.

Phase 2 phase imagery
2
Phase 2
Enroll

Lock it in cleanly.

  • 3
    Clean enrollment
    Enroll you cleanly under our NPN, your information only
  • 4
    Short-term (only if needed)
    Bridge a true gap for a healthy applicant — an honest stopgap, not major medical
You walk away with

Coverage in place, enrolled the right way.

Phase 3 phase imagery
3
Phase 3
Defend

Keep it right all year.

  • 5
    Income & subsidy reconciliation
    Keep your income current with the Marketplace so there is no surprise repayment at tax time
  • 6
    SEPs + annual re-shop
    Handle life changes and re-shop your plan each open enrollment
  • 7
    Medicare handoff at 65
    Move you to Medicare with no gap in coverage
You walk away with

A year-round partner, not a one-time enrollment — through 65 and into Medicare.

ACA first, always. A short-term bridge only when an ACA plan does not fit. No obligation — you make the final coverage decision.

We document your consent before we assist with a Marketplace application, as required under 45 C.F.R. § 155.220. Consent records are retained for 10 years.

Carrier partnerships

Independent Agent — Multiple Carriers

WY · ID · MT · CO · CA · TX

Independent Wyoming insurance agency · Chamber of Commerce Board of Directors and Membership Committee · Government Committee · SHRM member

More Options

Access to multiple carriers means more plan designs and network choices.

Unbiased Guidance

How we’re paid is disclosed in writing up front — recommendations are based on fit.

Ongoing Support

Year-round service and renewal strategy — not just during open enrollment.

Who we serve

Who we serve across Wyoming, Montana, Texas and Idaho

Different situations·Same review

Self-employed
or gig

  • 1099 and contractors
  • Owners without a group

Early retirees
(pre-65)

  • Retired before Medicare
  • Bridging to 65

Between
jobs

  • Losing employer coverage
  • COBRA alternative

Seasonal or
part-time

  • No employer plan offered

Qualifying life event

  • Marriage
  • Birth
  • A move
  • Loss of coverage
  • An income change

Marketplace assistance: Wyoming, Montana, Texas and Idaho. Huhn Insurance is licensed in six states — WY · ID · MT · CO · CA · TX.

THE 2026 SUBSIDY-CLIFF PROBLEM

What comes with the Coverage Fit Review.

Subsidy check + capture·Options comparison·Clean enrollment·Year-round reconciliation·Honest short-term option·One local contact

Doing 2026 open enrollment alone
  • Enhanced premium tax credits expired at the end of 2025 — the 400% FPL subsidy cliff is back for 2026 coverage
  • Wyoming faces one of the largest dollar increases in the country — a 60-year-old at 401% FPL sees +$22,452 a year for benchmark silver, for 2026 coverage
  • About 87% of Wyoming enrollees are subsidized — most will see a real jump for 2026 coverage
  • APTC repayment caps were removed — under-estimate your income and you can owe the full credit back
  • Drop coverage blindly, or overpay when a tier change or an off-exchange option fits better
Doing it with Huhn Insurance
  • Subsidy check + capture — we confirm eligibility and capture every premium tax credit you qualify for
  • Options comparison — plans compared on tier, network, drug fit, and on/off-exchange
  • Clean enrollment — documented consent, your information only, under our NPN
  • Year-round reconciliation — we keep your income and subsidy current so you don’t owe credits back
  • Honest short-term option — a bridge only for a true gap, stated plainly as not ACA major medical
  • One local contact — a licensed, FFM-registered person who knows your situation
Without a review, you either overpay or walk away uncovered.
About 87% of Wyoming enrollees are subsidized — most will see a real jump for 2026 coverage
A 60-year-old at 401% FPL faces +$22,452 a year for benchmark silver, for 2026 coverage
Huhn Insurance runs the same review with one FFM-registered agent
Important disclosure

Broker compensation is paid by carriers; any client-paid fee is disclosed in writing before engagement. We do not promise a specific premium or subsidy — those are government-determined — and we do not guarantee eligibility, approval, rates, plan availability or effective dates. Short-term coverage is not ACA major medical.

Read how compensation works and what is included

How compensation works

Broker compensation is paid by carriers; any client-paid fee is disclosed in writing before engagement. A formal compensation disclosure is provided consistent with the CAA.

Included in the Coverage Fit Review

Subsidy check + capture · Options comparison · Clean enrollment · Year-round income and subsidy reconciliation · SEP handling · Annual re-shop · One FFM-registered contact.

Not included

Tax filing or legal advice · any plan-specific guarantee · services requiring a separate engagement.

Review your setup and decide the next step.

Find Your Coverage Fit

No obligation. Engage now or revisit at your next renewal.

How we help

We promise your real options, captured cleanly.

What we control·What we don’t·How compensation works

Our Promise

Check → Fit → Enroll → Defend.

We find your real options, capture every subsidy you qualify for, and enroll you cleanly with documented consent. The same path, run the same way every year, reconciling your income and re-shopping each open enrollment.

What this means

We do not guarantee eligibility, approval, rates, plan availability or effective dates — those are government- and carrier-determined.

What we control

We control the process.

We help with:

  • Check eligibility and capture every subsidy
  • Compare your options — tier, network, Rx, on and off exchange
  • Enroll you cleanly under our NPN
  • Reconcile income and subsidy all year
  • Handle SEPs and the annual re-shop
  • Tell you honestly when a short-term bridge fits

You give documented consent, provide accurate income information, and make the final coverage decision. We make sure the steps are clear, the work is tracked, and you know what happens next.

What we do not control

Carriers control carrier decisions.

Insurance carriers decide things like:

  • Whether claims are approved
  • Whether prices go up or down
  • Which doctors and hospitals are in the network
  • Which plans they offer

We cannot promise what the carrier will decide. We can promise to help you understand the options and stay organized.

How compensation works

We explain how we are paid before you move forward.

Depending on the plan, we may be paid by:

  • The insurance carrier
  • A client-paid fee
  • A mix of both

If there is a fee paid by you, we explain it in writing first. No surprises.

One team, one clear path, every renewal.

Heather Huhn
Licensed
Independent Agent
Heather Huhn
Co-owner, Agent
WYIDMTCOCATX
  • Wyoming-anchored
  • Independent broker
  • Leading the operating path on every renewal
Artemus Huhn
Growth
Operations
Artemus Huhn
Co-owner, Operations
  • Leads strategic partnerships
  • Drives automation priorities
  • Builds and improves operating systems
Timing

Right window, right move

Coverage runs on enrollment windows. Miss one and you may wait a year — which is why timing is part of the review.

Open Enrollment — WY · MT · TX — Nov 1–Jan 15

Enroll by Dec 15 for a Jan 1 start

Open Enrollment — Idaho — Oct 15–Dec 15

Earlier deadline (Your Health Idaho)

Special Enrollment — 60 days

Loss of coverage, COBRA ending, turning 26, divorce, marriage, birth or adoption, a move, becoming a citizen, an income change

Medicaid / CHIP loss — 90 days

Longer window to enroll

COBRA decision

Compare an often-subsidized Marketplace plan inside your 60-day window first

Short-term — year-round

No window. Coverage can start as soon as the next day

Dates change from one plan year to the next. The windows above are stated for 2026 coverage as we understand them in August 2026. Confirm your dates with us before you rely on them. Short-term coverage is not ACA major medical: it is not guaranteed-issue, it can exclude pre-existing conditions, and benefits may be limited. It is a temporary bridge for a coverage gap — never a long-term replacement.

Common questions

What people ask before booking.

Broker compensation is paid by carriers; any client-paid fee is disclosed in writing before engagement.
We check your eligibility first and capture every credit you qualify for — and we keep your income current all year so you don’t owe it back.
It’s a bridge for a true gap, not ACA major medical — it can exclude pre-existing conditions and isn’t guaranteed-issue. We use it only when it’s the honest fit and state the limits up front.
That opens a 60-day window to a (often subsidized) Marketplace plan. We compare it against COBRA so you don’t overpay.
We move you to Medicare. Don’t cancel your individual plan until Medicare is approved — once it’s active we handle the cancellation so you’re never without coverage.

Review your setup and decide the next step.

Find Your Coverage Fit

No obligation. Engage now or revisit at your next renewal.