Quantum Advisory Group LLC · Health & Life
Health coverage that fits your life — and your budget.
ACA Marketplace plans, premium subsidies, and individual & family health coverage — explained in plain language by a licensed advisor who shops the options for you. Education-first, never sales pressure.
What kind of coverage do you need?
One licensed advisor across every individual health option.
ACA / Marketplace PlansSubsidies & tax credits for individuals & families Individual & Family HealthSelf-employed, between jobs, early retirees Short-Term, Supplemental & LifeBridge gaps and add protection2027 Open Enrollment opens November 1. Here's what changed.
Your plan from last year is not your plan this year. Prices moved, carriers moved, and the extra subsidy help many families counted on ended after 2025. Don't wait for a renewal letter to tell you.
The dates that matter:
- November 1, 2026: Open enrollment starts (HealthCare.gov, Nevada Health Link, Georgia Access).
- December 15, 2026: Enroll by this date for coverage starting January 1, 2027.
- January 15, 2027: Open enrollment ends. Sign-ups after December 15 start February 1.
What's different for 2027:
- Nevada: Approved rates on Nevada Health Link are up an average of 17% before subsidies, across nine carriers.
- Georgia: Approved rates are up an average of about 21% before subsidies. Cigna and UnitedHealthcare are leaving Georgia Access after 2026, and Antidote Health is joining. If you're on Cigna or UnitedHealthcare, you'll need to pick a new plan.
- Subsidies: The enhanced premium tax credits ended after 2025. Help is still available, but it covers less for many households. Whether you qualify depends on your income and household.
- Renewals: Some current enrollees may be asked to confirm their information to keep their financial help.
Here's the truth: the cheapest plan on the screen is not always the best plan for your income. A low premium with a high deductible can cost you more the first time you need care. Compare the full picture: premium, deductible, your doctors, your prescriptions.
That's the 15 minutes I do with you. No pressure. Just the real numbers.
Rate figures are average changes before subsidies and do not reflect any individual's premium. Eligibility for financial help depends on income and household. Lisa Drake is a licensed insurance agent with Quantum Advisory Group LLC. This is not a government website and is not affiliated with HealthCare.gov, Nevada Health Link or Georgia Access.
Coverage Options · One Advisor
The right health plan for where you are
Whether you're shopping the Marketplace, covering your family, or bridging a gap between jobs — start with the option that fits today, and we'll handle the rest.
ACA / Marketplace Plans
Get every dollar of savings you qualify for.
- Premium tax credits & cost-sharing reductions, applied for you
- Bronze, Silver, Gold & Platinum metal tiers explained
- Compare on-exchange plans across major carriers
- Check that your doctors & prescriptions are covered
Individual & Family Health
Coverage built around your household.
- Off-exchange individual & family medical plans
- Options when you don't qualify for subsidies
- Plans for the self-employed & 1099 / gig workers
- Dental & vision coverage you can add on
Short-Term, Supplemental & Life
Protection between jobs and beyond the basics.
- Short-term medical to bridge a coverage gap
- Accident, critical illness & hospital indemnity plans
- Term & permanent life insurance
- Coverage for life changes — new job, new baby, retirement
Nevada Residents
New lower-cost plans are available now
Nevada has launched Battle Born State Plans (BBSPs) - a new category of coverage offered exclusively through Nevada Health Link. They carry the same essential benefits, protections, and cost-sharing reductions as other Marketplace plans, but with built-in premium discounts that apply regardless of your income.
Already enrolled through Nevada Health Link? You can compare and switch to a Battle Born State Plan during Open Enrollment (Nov 1, 2026 – Jan 15, 2027). Not sure if a BBSP is right for you? Let's look at it together.
Battle Born State Plans at a glance
- Built-in premium discounts - for Nevada residents, regardless of income
- Same essential benefits & protections as other Qualified Health Plans
- Offered exclusively through Nevada Health Link (not HealthCare.gov)
- Enroll or switch during Open Enrollment, Nov 1, 2026 – Jan 15, 2027 - or anytime with a qualifying life event
The QAG Difference
A real advisor in your corner
You don't have to navigate HealthCare.gov, metal tiers, and subsidy math alone. You get plain-language guidance and a person who stays with you year after year.
Maximize Your Savings
We make sure you claim every premium tax credit and cost-sharing reduction you're eligible for — no money left on the table.
Plans, Not Pitches
We compare across the Marketplace and private carriers, then match a plan to your doctors, prescriptions, and budget.
Year-Round Support
Life changes — jobs, income, family. We handle enrollment, special-enrollment events, and questions all year, not just in the fall.
The Mindset That Saves You Money
Health coverage isn't a form. It's a plan for your family.
The right Marketplace or individual plan does two jobs at once: it protects your family's health and it protects your finances from a bill you never saw coming. Once it's set up right, the choice gets simple.
Simple From Start to Enrolled
How it works
Three easy steps — most people are quoted and enrolled in a single conversation.
Quick conversation
Tell Lisa your situation — household, income, doctors, prescriptions, and budget. No pressure, no jargon.
Compare your options
Lisa shops the Marketplace and private carriers, checks your subsidy eligibility, and lays out the plans that actually fit.
Enroll with confidence
She handles the paperwork, confirms your coverage, and stays with you year-round for changes and questions.
Your Advisor
A person, not a call center
Licensed, responsive, and genuinely invested in your outcome.
Lisa Drake
Lisa helps individuals, families, and the self-employed find health coverage that fits — ACA Marketplace plans, subsidies, individual & family medical, supplemental, and life insurance. Resident Nevada producer, licensed across 14 states.
Questions, Answered
Frequently asked questions
The basics, in plain language. Have one that's not here? Just ask Lisa.
What is individual health insurance?+
ACA vs. private health insurance - what's the difference?+
How do ACA subsidies work, and will I qualify?+
Can I keep my doctor on an ACA or private plan?+
Deductible, coinsurance & out-of-pocket max - how do they work?+
General educational information only - not insurance, tax, or legal advice. Plan rules, networks, subsidies, and costs vary by plan, carrier, and your situation. Verify specifics before you enroll.
Request Your Free Quote
Tell us what you're looking for
Share a few details and Lisa will personally reach out — usually within one business day.
Start With a Conversation
Let's find the plan that fits you.
A free, no-pressure conversation. We'll check what you qualify for and lay out your best options in plain language.