Health coverage advisor · Allentown, PA

Health coveragefor people whosign their own paychecks.

Self-employed, running a crew, or covering your family on your own? Patrick Leonard lays out every option you have in plain English, then helps you pick the one that fits.

Take the 2-minute Coverage Check Book a call

Marketplace and private plansIndividuals, families, small businesses10+ years

Patrick Leonard, health insurance advisor

Open Enrollment opens Nov 141 daysStart now. Beat the rush.

The part nobody explains

There are two roads to coverage. Patrick checks both.

Most people only ever see one of them. Patrick puts them side by side, so you can see what each one costs and what it actually covers.

Road one

The Marketplace

Pennie, Pennsylvania's official health insurance marketplace.

You cannot be turned down because of a pre-existing condition.
Tax credits can lower your monthly premium. They are based on household income and size.
You enroll during Open Enrollment, Nov 1 to Jan 15, or after a qualifying life event like losing job-based coverage.

Often the right road when someone in the house has an ongoing health condition, or when your income qualifies you for real help with the premium.

Road two

Private health plans

Separate from the Marketplace.

Medically underwritten. You answer health questions, and not everyone qualifies.
You can apply any time of year, including outside Open Enrollment.
They do not qualify for Marketplace tax credits, and coverage differs from plan to plan. Patrick walks you through what is and is not included before you apply.

Worth a look when your household is generally healthy and you do not qualify for much help on the Marketplace.

Who he helps

Built for people without an HR department.

Dedicated to those who embrace the entrepreneurial spirit. That has been Patrick's focus for more than 10 years.

Self-employed and independent contractors

There is no group plan to fall back on, so you need someone who lays the options out straight.

Small business owners

The trades and the shops. HVAC, plumbing, electrical, and everyone in between.

Families

Different ages and different needs under one roof, on one budget.

Just lost job-based coverage

A layoff, a job change, or striking out on your own. The window to enroll is open, and it closes.

Two numbers

The monthly premium is only half the story.

What a bad year costs you comes down to two numbers: your deductible and your out-of-pocket max. Move the sliders and see how a big bill splits between you and the plan.

A medical bill this year

Your deductible

Your share after the deductible (coinsurance)

Your out-of-pocket max

What you would pay

out of your pocket

Deductible

Coinsurance

Plan pays

Illustration only, using the numbers you set. Real plans also have copays, networks, and rules about what counts toward the deductible. Patrick shows you the real numbers for real plans.

How it works

Three steps, in plain English.

Call or fill out the form
Take the Coverage Check or call (267) 226-0949. It takes a couple of minutes.
Talk it through with Patrick
He asks about your household, your doctors, your budget and your health, then shows you both roads side by side.
Apply
Pick the plan that fits. Patrick works through the application with you.

I always look at everyone's option. I do the right thing.

Patrick Leonard

Open Enrollment for 2027 coverage

Nov 1 to Jan 15.
Enroll by Dec 15 to start Jan 1.

Those are Pennie's dates for Pennsylvania. The weeks before the rush are the best time to compare, while there is room to ask every question.

Get ready for Open Enrollment

41days until Open Enrollment opens (Nov 1)

86days until the Dec 15 deadline for Jan 1 coverage

About Patrick

South Philly born and raised. Office in Allentown.

Patrick has spent more than 10 years helping self-employed people, small business owners, independent contractors and families find health coverage. He works out of the Allentown office on Hausman Road and is a member of BNI Allentown West.

More about Patrick

Straight answers

Questions people ask first

What is the difference between the Marketplace and a private plan?

Marketplace plans go through Pennie. They cannot turn you down for a health condition, and they may come with tax credits based on your income. Private plans are separate. They ask health questions, not everyone qualifies, and you can apply any time of year. Patrick checks both.

When can I sign up?

Pennie's Open Enrollment runs Nov 1 to Jan 15. Enroll by Dec 15 for coverage that starts Jan 1. Outside those dates you need a qualifying life event, like losing job-based coverage. Private plans can be applied for any time of year.

I just lost my coverage at work. What now?

Losing job-based coverage usually opens a Special Enrollment Period, so you may not have to wait for November. The window is limited. Call Patrick or take the Coverage Check today.

All questions

Find out where you stand in two minutes.

The Coverage Check asks six quick questions and shows you which road fits your situation. It is free, with no obligation.

Take the Coverage Check