Free help finding & enrolling in the right health plan.
Start to finish · All year
One message to me. I compare 15+ insurers, check your doctors and prescriptions, check whether you qualify for savings, and enroll you. Then I’m here all year.
Call or text 248-828-5782 · English · Русский · Українська
Open enrollment for 2027 is open now (started November 1)
Starting with 2027 coverage, a 2025 federal law limits federal premium tax credits and cost-sharing reductions to U.S. citizens and nationals, green card holders, Cuban/Haitian entrants and COFA migrants. People with parole (including U4U), TPS, refugee or asylum status, or a work or student visa will no longer get federal help, but can generally still buy a Marketplace plan at full price. In Washington, state premium help through Washington Healthplanfinder may still be available. I’ll walk you through the options that remain. I don’t give immigration or legal advice.
I do the hard part, so getting covered is easier.
You don’t have to read plan documents, guess at networks or do the subsidy math alone. I make it easy and do that work with you.
Side-by-side plan comparison
Premium, deductible, out-of-pocket maximum and copays across carriers, in one clear chart.
Subsidy and savings check
I help you see whether you may qualify for premium tax credits or lower copays. The exchange makes the final decision.
Doctor and hospital network checks
Before I recommend a plan, I look up your doctors, medical groups and hospitals in that plan’s network.
Prescription coverage checks
Before you enroll, you’ll know whether each drug is on the plan’s list and at what tier. Drug lists and networks can change; the plan’s documents govern.
Enrollment, done with you
I prepare the application from the answers you give me and walk you through review. You confirm everything before it’s submitted.
Support all year
Life changes, ID cards, billing questions, a move or a new baby, and your annual renewal review.
The right type of plan depends on your situation
Your income, immigration status, health and doctors all change which options make sense. Here’s what I can offer, and where.
Marketplace plans
Individual and family ACA plans through your state’s exchange. This is the only place to get premium tax credits and cost-sharing reductions if you qualify.
Off-exchange ACA plans
The same essential health benefits and pre-existing condition protections, purchased straight from the carrier. No premium tax credits or cost-sharing reductions are available off-exchange, so this is useful when you don’t qualify for them.
Private health plans
An option for people who don’t qualify for Marketplace savings or who want copay-based coverage outside the Marketplace. Not ACA coverage and not an insurance policy: it is a self-funded employer plan, and you join the sponsoring company as a part-time employee. You answer health questions and can be declined, there are no premium tax credits, visit and benefit limits apply, and it is not protected by a state insurance guaranty association. I’ll always show it next to your ACA options and give you the plan’s written disclosure before you apply.
Short-term medical
Not ACA coverage and not minimum essential coverage. No premium tax credits. May exclude pre-existing conditions and cap benefits. In Michigan, coverage can’t exceed 185 days in any 365, and losing it doesn’t open a Marketplace special enrollment period. I’ll always show you the ACA option first.
Dental, vision & supplemental
Dental and vision cover specific services. Accident, critical illness and hospital indemnity plans pay fixed amounts. They supplement health insurance and are not a substitute for major medical coverage.
In Washington I help with off-exchange ACA plans and supplemental plans only. For Washington Healthplanfinder plans and Cascade Care Savings, apply at WAHealthplanfinder.org. Plan availability depends on where you live and your eligibility. The policy’s own language governs what is covered.
Your agent. Not a call center.
You get one person who knows your household, answers your texts, and explains things in your language.
Free, start to finish
Insurance companies pay agents a commission. You pay the same premium whether you enroll on your own or with me.
Independent, appointed with 15+ insurers
I compare plans from 15 or more insurance companies and tell you what I’d look at, including when a plan isn’t a good fit. I’m not appointed with every insurer; if a plan from a company I don’t represent fits you better, I’ll tell you.
I check before I recommend
Your doctors, hospitals and prescriptions are checked against each plan before it reaches your shortlist.
Clear on the 2027 immigration changes
Many of my clients have parole, TPS, asylum or visa status. I explain which health coverage options are open to them. (I don’t give immigration or legal advice.)
Русский и українська
Explanations, comparison charts and emails in Russian or Ukrainian, whichever is easier for you.
Fewer surprises at tax time
I explain how subsidies are reconciled on your tax return and remind you to report income and household changes during the year.
Your information stays private
I use your personal and health details only to help you find, enroll in and keep coverage, and share them only with the exchange, insurers and service providers needed to do that. I don’t sell your information or share your phone number or text consent with anyone for marketing. Read my privacy notice.
Four easy steps. No office visit.
No office visit needed. You usually get a comparison within a few days of returning the questionnaire.
Tell me about your household
A short questionnaire: who needs coverage, ZIP code, expected income, doctors and medications.
I compare your options
I price plans, check networks and drug lists, and send you a clear comparison with my top picks.
You choose
We go over the differences together. You decide; there’s no pressure and no obligation.
I enroll you and stay with you
I prepare your application for your review, then help with ID cards, payments and changes all year.
Victoria Novikova
I’m an independent health insurance agent based in San Francisco, licensed in California, Michigan and Washington. I help individuals, families, self-employed people and newcomers to the U.S. find health coverage that fits their budget and their doctors.
Many of my clients are navigating the U.S. health system for the first time. I grew up speaking Russian, and I know how much easier it is to make a big decision when someone explains it in your own language. My job is to make the choice clear and to be there when you need help later.
Licensed, certified and verifiable
Every license below is public record. You can look me up with the state or the national producer database.
| State | License no. | Line of authority | 2027 exchange certification | Status |
|---|---|---|---|---|
| CaliforniaResident license | 4486841 | Life-Only; Accident & Health or Sickness | Covered CaliforniaCertified agent, plan year 2027 | Active |
| MichiganNon-resident license | 1409928 | Life; Accident & Health | HealthCare.gov (CMS)FFM registered, plan year 2027 | Active |
| WashingtonNon-resident license | 1328114 | Life; Disability (health) | Off-exchange plans onlyNot enrolling through Washington Healthplanfinder for 2027 | Active |
Verify: NIPR license lookup · California Department of Insurance · Michigan DIFS Locator · Washington OIC agent search
What people usually ask first
Do you charge for your help?
No. Insurance companies pay agents a commission when you enroll. Your premium is the same as if you enrolled on your own.
Can you help if I don’t qualify for a subsidy?
Yes. I compare full-price Marketplace plans and off-exchange ACA plans and show you how they stack up for your budget and doctors.
I’m in the U.S. on parole, TPS, asylum or a work visa. What changes in 2027?
Starting in 2027, people with these statuses no longer qualify for federal premium tax credits or cost-sharing reductions. If you’re lawfully present, you can generally still buy a Marketplace plan at full price or an off-exchange ACA plan, and in Washington state help may be available through Washington Healthplanfinder. I’ll go over which options are open to you and what they cost. I don’t give immigration or legal advice; your status facts come from your own documents.
What do you need from me for a quote?
Names and dates of birth of everyone who needs coverage, your ZIP code, your expected household income for next year, your immigration status, current coverage, and your doctors and medications. I’ll send a short questionnaire. Your immigration status just tells me which plans you can get. I only share it if a plan you apply for requires it. No documents needed for a quote.
Do we need to meet in person?
No. I work with clients by phone, text, email and video in all three of my states.
I’m a student. What are my options?
It depends on your age, school and status:
- Under 26: you can usually stay on a parent’s plan, even if you live away from home.
- Your school’s plan: many colleges offer one, and some require it unless you show other coverage that meets their rules. Check your school’s waiver rules before you buy anything.
- U.S. citizens and green card holders: you may qualify for Marketplace savings, or for Medi-Cal or Medicaid if your income is low.
- International students (F-1, J-1): starting in 2027 there’s no federal help, but you can generally buy a Marketplace plan at full price. J-1 exchange visitors, including students, and their J-2 family members must have special coverage under federal rules (22 CFR 62.14), including a deductible of $500 or less and medical evacuation, which most Marketplace plans don’t include. Ask your school’s international office what it accepts.
If your school has its own plan, I check its rules first, so you don’t pay for two plans.
When can I enroll?
ACA plans (Marketplace and off-exchange) have an open enrollment period. For 2027 coverage it starts November 1:
- California (Covered California): open until January 31. Enroll by December 31 for coverage starting January 1.
- Michigan (HealthCare.gov): open until January 15. Enroll by December 15 for coverage starting January 1.
- Washington (off-exchange plans): open until January 15. Enroll by December 31 for coverage starting January 1.
If you enroll after the deadline for January 1 coverage but before open enrollment ends, coverage usually starts February 1. After open enrollment closes, you can enroll in an ACA plan only after certain life events, like losing other coverage, moving, marriage or a new baby. Dates are set by each exchange and can change.
Non-ACA plans have no open enrollment period. Private health plans (CA, MI), short-term medical (MI), fixed-benefit (indemnity) health plans, and dental, vision and other supplemental plans can generally be applied for any time of year. Some ask health questions, and you can be declined.
Get covered. My help is free.
Send a message and I’ll reply within one business day with the questionnaire and next steps.
Serving California, Michigan and Washington remotely.