If you live in New York (NY), New Jersey (NJ), Florida (FL), Pennsylvania (PA), or Connecticut (CT) and you’ve ever asked, “What health insurance should I get?”—you’re not alone. Choosing a plan can feel like navigating a maze of deductibles, co-pays, and confusing terms. That’s why Bruce Weinstein and Robyn Weinstein of Planman Insurance are here to help you make sense of it all—without the overwhelm.

Understanding How Health Insurance Works

Health insurance is a financial safety net designed to reduce the burden of medical costs. Whether you’re seeking routine checkups, emergency surgery, or prescription drug coverage, your health insurance helps pay for part—or most—of your care.

Let’s break down a few important terms:

• Deductible: The amount you pay before insurance kicks in.

• Co-pay: A set fee you pay for certain services, like doctor visits.

• Co-insurance: The percentage of costs you share with your insurer after your deductible is met.

• Out-of-pocket maximum: The most you’ll have to pay in a year.

Once you hit that max, your insurance covers 100% of your care for the rest of the calendar year—important to remember whether you’re in Manhattan, Miami, Philadelphia, Hartford, or anywhere in between.

What Type of Health Insurance Should You Get?

That depends on your needs and situation. Planman Insurance helps individuals and families in CT, NJ, NY, PA, and FL explore every option.

Marketplace (ACA) Plans

If you don’t get insurance through work and aren’t eligible for Medicare, Marketplace Insurance—also called ACA or “Obamacare”—might be right for you. With subsidies based on your income, many families pay little to nothing for full coverage. These plans also include preventive care like annual exams, mental health support, and substance abuse treatment at no cost.

Major Medical Insurance

Need broader coverage that includes both regular doctor visits and major procedures? Major medical insurance covers everything from flu shots to hospital stays. Ideal for individuals who want peace of mind in case of emergencies.

Indemnity Plans, Hospitalization, Critical Illness & Accident

These supplemental policies protect you when life takes an unexpected turn—offering financial support during serious health events.

Group Health Insurance

If you own a business in Florida, New Jersey, or Connecticut, offering group health insurance can improve employee satisfaction and retention. Planman Insurance helps you design a plan that fits your team’s needs and your budget.

Dental, Vision & Hearing Coverage

Don’t forget your full-body wellness. We offer coverage that fills in the gaps many medical plans overlook—protecting your smile, sight, and hearing.

Don’t Navigate It Alone

At Planman Insurance, Bruce and Robyn bring their years of experience helping people make confident, informed healthcare decisions. Best part? It doesn’t cost anything extra to work with them.

Let’s find the right plan for you—whether you’re in Brooklyn, Boca Raton, Bridgeport, or beyond.

📞 Call 844-PLANMAN and start your journey to smarter health coverage today.