Insurance Coverage Built Around You
Arizona individuals and families deserve personalized guidance — not a confusing marketplace. DECLANCO BENEFITS helps you find affordable, right-fit coverage with 28 years of industry expertise behind every recommendation.
Your Coverage Options
Whether you're self-employed, transitioning between jobs, or simply exploring your options, DECLANCO BENEFITS connects Arizona individuals and families with the right plans at the right price.
ACA Health Plans
Access qualified health coverage through the Affordable Care Act marketplace. We help you compare plans, understand subsidies, and enroll during open or special enrollment periods — so you get the coverage you need at a cost that works.
Life Insurance
Protect your family's financial future with term or permanent life insurance tailored to your income, dependents, and long-term goals. We simplify the options and help you choose the right level of protection.
Dental & Vision
Standalone dental and vision plans to keep you and your family healthy year-round. Choose from a range of coverage tiers — from preventive-only to comprehensive — with clear, upfront cost breakdowns.
Supplemental Benefits
Add a financial safety net for life's unexpected moments. Supplemental plans — including accident, critical illness, and hospital indemnity — pay cash benefits directly to you when you need them most.
Travel Insurance
Travel with confidence knowing you're covered for trip cancellations, medical emergencies abroad, lost baggage, and more. Ideal for frequent travelers, snowbirds, and international trips.
Get a Quote or Enroll Today
Ready to take action? Use our self-service tools to get an instant quote or start enrollment for the plan that fits your life — no waiting, no pressure.
Prefer guided help? A DECLANCO advisor can walk you through every option at no extra cost.
Common Questions About Individual Insurance
Not sure where to start? Here are answers to the questions Arizona individuals ask most when exploring personal coverage.
When can I enroll in an ACA health plan?
ACA open enrollment typically runs from November 1 through January 15 in Arizona. Outside of that window, you may qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event — such as losing job-based coverage, getting married, having a child, or moving. DECLANCO can help you determine your eligibility and act quickly before your SEP window closes.
Do I qualify for a subsidy or premium tax credit?
You may qualify for financial assistance if your household income falls between 100% and 400% of the federal poverty level — and in some cases beyond that threshold under current ACA rules. Eligibility depends on your income, household size, and whether you have access to other coverage. We'll review your situation at no cost and help you maximize any available savings.
What's the difference between using a broker and enrolling directly on Healthcare.gov?
Using a licensed broker like DECLANCO costs you nothing extra — brokers are compensated by the insurer, not you. The advantage is personalized guidance: we compare plans across carriers, explain the real cost differences (premiums, deductibles, networks), and handle the enrollment paperwork. Self-enrolling on Healthcare.gov is possible, but without expert help it's easy to pick a plan that looks cheap and delivers less coverage than you expect.
Can I get dental, vision, and supplemental coverage without a health plan?
Yes. Dental, vision, and supplemental benefit plans (accident, critical illness, hospital indemnity) can be purchased as standalone policies regardless of your health insurance status. These plans are available year-round and do not require a qualifying event to enroll.
Not Sure Which Plan Is Right for You?
Navigating ACA plans, life insurance options, and supplemental coverage on your own can feel overwhelming. A DECLANCO advisor will sit down with you — at no cost — review your situation, and recommend a plan that fits your budget and your life. 28 years of Arizona insurance expertise, working for you.