Health Insurance

That Keeps You Covered

Smart, Personalized Coverage From Your Local Experts in Germantown, MD

What Your Health Insurance Policy Should Cover

Health insurance should be more than a backup plan—it should be a reliable part of your life. We help you understand what to expect and how to get the coverage that fits your circumstances.

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Major Medical Coverage

Covers doctor visits, hospital care, prescriptions, and preventive services. Available through private insurers and the Marketplace.

Self-Employed Health Plans

Health insurance options tailored for freelancers, small business owners, and independent workers.

Family & Individual Health Plans

Affordable, flexible plans with options for deductibles, copays, and provider networks.

Health Insurance FAQs

  • When can I enroll in a health insurance plan?

    Open enrollment typically runs November–January, but special enrollment is available after qualifying life events.

  • What if I miss open enrollment?

    You may qualify for a short-term plan or special enrollment. We’ll help you review your options.

  • Can I keep my doctor with a new plan?

    Possibly. We’ll help you review networks to keep your preferred providers when possible.

  • Do I need health insurance if I’m young and healthy?

    Yes. Coverage protects you from unexpected costs and gives access to preventive care.

  • Is Marketplace coverage my only option?

    No. We work with a variety of carriers, both inside and outside the Marketplace, to match you with the right plan.

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Let’s Get You on the Road

Whether you're insuring your first car or upgrading your coverage, CF Alliance is here to help you every mile of the way.

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Let’s Make Health Insurance Simple Again