Medicare Open Enrollment
October 15 through December 7. Review providers, prescriptions, costs, plan changes, and benefits for 2027.
Start a Medicare review →A trusted family insurance agency
Coverage guidance for more of life.
From individual health and Medicare to life, ancillary, supplemental, and group benefits, we help you understand the next step—and stay available after the policy starts.
2027 Open Enrollment
Review now, before the deadlines arrive.
Coverage, networks, formularies, premiums, and household circumstances can change. Use a focused review to prepare before making a decision.
ACA Marketplace Open Enrollment
November 1 through January 15. Update household and income information and compare the complete cost of coverage.
Prepare for ACA Open Enrollment →Supplemental protection
Explore accident, critical illness, hospital indemnity, gap, disability, dental, vision, and other focused protection.
Explore supplemental campaigns →Coverage solutions
Insurance needs rarely fit in one box.
We keep the website simple while offering a broad range of coverage. Start with the category that best fits; our team can help route questions that overlap.
01 / COVERAGE
Individual & Family Health Insurance
ACA Marketplace, off-Marketplace, and other individual health coverage options for people under 65.
- ACA / Marketplace coverage
- Off-Marketplace health plans
- Non-ACA alternatives where available
- Coverage for individuals and families
02 / COVERAGE
Medicare Solutions
Licensed guidance for people approaching Medicare eligibility or reviewing their current coverage.
- Medicare Advantage
- Medicare Supplement
- Prescription drug coverage
- Annual coverage reviews
03 / COVERAGE
Life Insurance
Protection designed around the people, income, debts, and long-term obligations that matter to you.
- Term life insurance
- Permanent life insurance
- Family protection planning
- Business-related life needs
04 / COVERAGE
Group Health & Employee Benefits
Health and supplemental benefit conversations for employers and small organizations.
- Group health coverage
- Dental and vision benefits
- Voluntary supplemental benefits
- Employee benefit reviews
05 / COVERAGE
Ancillary & Supplemental Insurance
A broad range of products that can complement major medical coverage and help address specific expenses or risks.
- Dental insurance
- Vision insurance
- Critical illness insurance
- Accident insurance
- Disability insurance
- Long-term care insurance
- Fixed indemnity and gap plans
- Hospital indemnity insurance
- Other supplemental products
Why Spalter
Modern service. Human accountability.
Family agency perspective
We focus on long-term relationships instead of treating coverage as a one-time transaction.
Licensed guidance
Questions involving recommendations and enrollment decisions are routed to appropriately licensed agents.
Tracked service
Quote and service forms feed our internal CRM so requests are assigned, followed up, and not lost in an inbox.
Simple process
From question to next step
Tell us what you need
Use the quote, service, contact, or appointment form.
We prepare and route it
Our system creates a tracked record and gets it to the right team member.
Work with a real person
An agent or service team member follows up and keeps the work moving.
Not sure which category fits?
That is completely fine. Tell us what you are trying to protect or solve, and we will get the conversation to the right person.