Health Insurance Solutions For Individuals, Families, & Small Businesses
Our flexible and affordable options empower you to select the plan that best fits your unique situation. Secure your future with trusted health insurance solutions designed for your health and success.
Financial Solutions For Individuals, Families, & Small Businesses
Quality financial solutions tailored to the needs of individuals, families, and small businesses, providing security and peace of mind. Our flexible and affordable options empower you to select the plan that best fits your unique situation. Secure your future with trusted solutions designed for your growth and success.
Health Coverage Made Simple for Self-Employed Individuals (Under 65)
Are you self-employed and searching for affordable health coverage for yourself and your family?
We specialize in helping independent professionals, freelancers, contractors, and small business owners under 65 secure flexible and affordable coverage without the corporate hassles.
Individual & Family Coverage
Nationwide PPO networks available
ACA-compliant and private plan options
Quick, no-pressure consultations
Been working with Christopher for the past year and a half. He has been great to work with helping my family and I out with health insurance options. Have also referred other family members to him. Highly recommend!
Justin Hawk
Private Health Insurance
Get affordable health coverage plans that deliver essential care and protection, ensuring your well-being and peace of mind at every stage of life.
Why Choose Us
Why CTF Financial Group
At CTF Financial Group, we cut through the noise to help you make smart, confident decisions about your health coverage. We specialize in under-65 Marketplace alternative plans that are often more affordable, more flexible, and better suited to your needs than standard insurance options. We don’t just explain insurance; we simplify it, so you can take action without confusion or regret. We serve individuals and families nationwide and understand the unique challenges people face when choosing the right plan. Whether you're between jobs, self-employed, or simply looking for a smarter solution, we provide expert guidance with clarity and care.
Your consultation is always free, with no pressure or obligation. Just clear answers and better coverage options designed for you.
FAQs
We help you explore and secure coverage
Q: When can I sign up for health coverage?
CTF Financial Group offers health coverage plans that are available year-round. These options do not require a special enrollment period to sign up.
For traditional ACA Marketplace plans, enrollment is limited to the open enrollment period or when you qualify for a special enrollment period. Open enrollment runs from November 1 – December 15 for coverage starting January 1, and from December 16 – January 15 for coverage starting February 1.
Q: What types of health coverage does CTF Financial Group offer?
A: At CTF Financial Group, we specialize in health coverage solutions for individuals under 65. While we can help you explore Marketplace options if that’s the best fit, our main focus is on providing private health coverage plans outside of the federal exchange. These private plans offer a wide range of benefits and flexibility, allowing us to create a tailored solution that matches your specific needs and budget. Share your situation with us, and we’ll be happy to guide you through the best options available!
Q: What is a Deductible?
A: A deductible is the amount you must pay out-of-pocket before your health plan begins covering costs.Some plans include copay that you can use before meeting your deductible. Always review your Summary of Benefits and Certificate of Coverage documents to understand your responsibilities and any exclusions.
Q: What is the difference between a Copayment (copay) & Coinsurance?
A: A copay is a set dollar amount you pay for a specific service or prescription at the time of care.
Coinsurance is a percentage of the cost of a covered healthcare service that you pay after you’ve met your deductible.
What Our Clients Say
