Health Insurance in Stamford CT for Individuals, Families, and Small Businesses

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Healthcare Coverage That Makes Sense

At Hagendoorn And Emond Insurance, we provide personalized health insurance in Stamford CT to support your lifestyle, your business, and your budget. Whether you're self-employed, managing your own coverage during a career change, or selecting a group plan for your employees, we’ll help you understand your options and avoid common coverage pitfalls.


We serve individuals and businesses throughout Stamford, Greenwich, Darien, and neighboring Fairfield County communities—offering guidance that cuts through the confusion.

Individual and Family Medical Plans

Not all individual plans are created equal. We walk you through public exchange options, private carriers, and non-traditional solutions—so you can compare:

Deductibles and Coinsurance

HSA-Eligible Plans

Network Access (PPO vs. HMO)

Prescription Coverage

Telehealth Access and Wellness Benefits

Whether you’re aging off a parent’s policy, between jobs, or running a small consultancy, we’ll help you stay covered with confidence.

Group Medical Insurance for Small Businesses

We help Fairfield County business owners build group health plans that attract talent and manage costs. Our process includes:

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Comparing small group medical plans

Understanding employer contribution requirements

Evaluating dental, vision, and disability add-ons

Navigating compliance and renewals

Explaining tax impacts and reporting needs

We’ll show you how group health plans integrate with other lines like workers’ comp or key person insurance—and where bundling may bring long-term value.

Frequently Asked Questions About Health Insurance

  • Do I have to buy health insurance through the marketplace?

    No. You can compare exchange and private options. Some clients qualify for subsidies through the marketplace; others may save more with direct-to-carrier policies.

  • Can I keep my doctor if I switch plans?

    We help you check provider networks before enrolling. PPO plans offer more flexibility, while HMOs may be more cost-effective but restrictive.

  • When can I enroll in health insurance?

    Open Enrollment is typically in the fall. Special Enrollment is available after certain life events—like losing coverage, moving, or getting married.

  • What’s the difference between a deductible and an out-of-pocket max?

    Your deductible is what you pay before insurance kicks in. The out-of-pocket max is your total cost cap for the year (including deductible, coinsurance, and copays).

  • Can a small business offer health insurance with just 1–2 employees?

    Yes. There are special rules and carrier options for micro-groups, especially for family-run or professional service firms.