ACA & individual coverage01
Individual & family plans
Coverage for your household, with help comparing costs, provider networks, and prescription benefits.
Learn about individual & family plans2027 Medicare Annual Enrollment season
2027 plans are here.
Let’s get your review started.
Compare 2027 options now. Medicare Annual Enrollment runs October 15–December 7, 2026, for coverage starting January 1, 2027.
Bring your doctors, medications, and Annual Notice of Change. We’ll review what matters to you and whether your current coverage still fits.
Book your 2027 review
Looking for individual or family coverage? Explore 2027 ACA coverage and income assistance.
Your family. Your needs. Your care.
Family first.
Coverage that fits.
Health insurance is personal. Your guidance should be, too. Work with Kyle Parrish, an advisor based in Cache County, Utah, who helps clients across 32 states understand their options and choose with confidence.
Book an appointment
View all 32 states and license information
Phone and virtual appointments in 32 states. In-person visits in Cache County. No obligation to enroll.
ROOTED IN COMMUNITYNIBLEY · UTAH
★Personal guidance, near or far★Clear explanations, without the pressure★Your family’s needs come first
Coverage for real life
Different needs.
One person in your corner.
From everyday care to a change in coverage, let’s find the right starting point for your situation.
Temporary coverage02
Short-term medical
Facing a gap between health plans? Compare temporary options and understand their limitations before you choose.
Learn about short-term medicalNew to Medicare or reviewing a plan03
Medicare guidance
Make sense of your Medicare choices, with your doctors, medications, and budget at the center.
Learn about medicare guidanceExtra financial protection04
Hospital indemnity
Explore supplemental coverage that pays a set benefit for a covered hospital event.
Learn about hospital indemnityYour choice. Your pace.
Prefer to shop plans on your own?
Explore available plans and enrollment options online using Kyle’s personal links. If you want a second set of eyes, Kyle is a call away.
Medicare plans
Use Kyle’s Sunfire shopping link to compare available Medicare plans and explore online enrollment.
Shop Medicare plans (opens in a new tab)Individual & family plans
Use Kyle’s HealthSherpa link to explore ACA Marketplace plans and start an application online.
Shop ACA / family plans (opens in a new tab)These links open external shopping sites in a new tab. Plan availability and enrollment options depend on your location and eligibility. Prefer personal guidance? Call Kyle at 385-220-0245.
Neighbors helping neighbors
You’re more than
a policy number.
I’m Kyle Parrish, an independent insurance advisor and a Cache County resident. I believe in showing up, answering honestly, and helping you understand what you’re choosing.
We’ll work together like family: talk openly, ask questions, and focus on what matters to you.
About Kyle“The right coverage starts with listening to the people it needs to protect.”A family-first approach to your insurance decisions.
A simpler way forward
Let’s work through it together.
01
Tell me what’s changing.
Your family, your work, your coverage, or just your questions. We start by understanding your situation.
02
Understand your options.
We look at costs, doctors, prescriptions, and coverage limits. You’ll know the tradeoffs before choosing.
03
Choose your next step.
We’ll talk through enrollment timing and what comes next, whether you need a change or a review of what you have.
Find your starting point
What brings
you here?
A place to begin
Start with individual & family coverage.
We can compare ACA Marketplace and other individual coverage options around your household, budget, doctors, and prescriptions. If you qualify, Marketplace financial help may lower your costs.
Explore individual & family plansUtah & Idaho · 2026 & 2027
Could your household
get help with coverage?
Explore potential tax credits, Medicaid, and children’s assistance with our interactive income tool.
Learn before you choose
Want to understand Medicare first?
Read our detailed guide to coverage, enrollment timelines, costs, and what to expect.
Visit Medicare EducationGood questions welcome
A little clarity
before we talk.
You don’t have to have it all figured out to get started.
Do you help people outside Utah?
Yes. Kyle offers phone and virtual appointments in 32 states. See the service area and license list on the About Kyle page. Available plans and services depend on your state and the insurer.
Can we meet in person?
Yes. Kyle lives in Cache County and can meet with you at your home or another convenient location in the area, by appointment. Phone and video appointments are available too.
Do I need to know which type of coverage I want?
No. Start with your situation: who needs coverage, what you have now, and when it needs to begin. We’ll explain the available paths and the tradeoffs.
Is short-term medical the same as an ACA plan?
No. Short-term medical may use medical underwriting, exclude pre-existing conditions, and limit benefits. ACA Marketplace plans have different consumer protections. We’ll compare those differences before you decide.
Does hospital indemnity replace health insurance?
No. It is supplemental coverage that pays a set benefit when a covered event occurs. Your policy explains eligible events, benefit amounts, exclusions, and waiting periods.
What should I have ready for an appointment?
Your current coverage details, preferred doctors and hospitals, and medication list are a useful start. For individual and family plans, household information and estimated income can help. Please do not email Social Security numbers or detailed medical records.
Let’s find your next step, together.
Bring your questions. We’ll take it one conversation at a time.