Annual Enrollment runs October 15 to December 7, 2026Oct 15 to Dec 7, 2026.

Changes you make take effect January 1, 2027. If you do nothing, your plan renews with next year's changes.

What to look for in 2027
Independent insurance broker

Medicare & health insurance made simple

Shopping for health insurance is confusing. There are too many plans and too many variables. I compare plans from multiple carriers to help you choose the plan that fits you best. Whether you're looking at Medicare or need individual and family coverage, I'll help you find a plan that fits your budget and actually covers what you need.

No cost to work with me. No obligation to enroll.

Mount Rainier seen across a flooded lowland wetland in flat morning light, a heron in flight
Photo: Mike Gordon / Pexels

What I offer

Medicare plans

Medicare Advantage, Medicare Supplement (Medigap), and Part D Prescription Drug plans. I'll explain how they differ and help you pick one.

See Medicare options

Individual & family

Medical, dental, and vision plans for individuals and families. I shop multiple carriers so you get solid coverage without overpaying.

Compare plans

Dental & vision

Standalone dental and vision plans to keep your whole family covered.

See dental & vision

Why choose JBJ Insurance?

A practice with 45 years of experience behind it.

JBJ Insurance was founded to put the client first. As an independent broker, I am not tied to any single insurance company, so I work for you. I compare plans across multiple insurers so you don't have to.

You don't need to call each carrier separately or attend multiple community meetings. One conversation with me covers it all.

45years of experience
$0cost to work with me, and no obligation to enroll

Two ways to get your Medicare coverage

Each option has trade-offs. During Annual Enrollment you can move between Medicare Advantage plans, or from Advantage back to Original Medicare.

Original Medicare + Medigap
  • Provider flexibility, no network restrictions
  • Predictable out-of-pocket costs
  • Part D drug plan bought separately

Higher monthly premium than Medicare Advantage, and you manage two or three policies.

See Medigap comparison
Medicare Advantage
  • Bundles Part A, Part B and usually Part D
  • Premiums can be as low as $0 per month
  • No network restrictions

Network restrictions in most cases, plus copays when you use care.

See Advantage plans