Your one-stop shop for coverage — with you at the center of every decision.
One Care Services puts you first. We help with Medicare, ACA health plans, life insurance, long-term care, and retirement income — so you get clear guidance, coverage that fits your life, and support that stays with you year after year. Consultations are at no cost to you. Plans are available and offered based on your state and county.
Languages: English · Vietnamese · Chinese · Spanish · Burmese · Creole
Coverage that fits your life
Medicare Advantage, ACA health plans, life insurance, long-term care, and annuities — compared by a licensed agent, at no cost to you.
Explore coverageBecome a One Care Services agent
New agents are onboarded and mentored by our team. Tell us a little about yourself — our recruiting team reviews applications weekly.
Apply to join our team- Licensed agents
- No-cost consultations
- Multi-language support
- Annual plan reviews
Coverage we help with
Tap a topic to jump to the details.
Medicare Advantage (65+)
Your doctors, medications, and budget.
Learn more →ACA health plans (under 65)
Marketplace coverage when you’re not on Medicare yet.
Learn more →Life insurance
Protection sized for your family and budget.
Learn more →Long-term care
Plan for care costs before they become a crisis.
Learn more →Annuities & lifetime income
Income you can’t outlive.
Learn more →Key enrollment dates & deadlines
Mark your calendar. Missing a deadline can mean waiting a full year to change your coverage.
Medicare (65+)
For 2027 Medicare Advantage and Part D drug plans
- Oct 15 – Dec 7, 2026Medicare Open EnrollmentJoin, switch, or drop a Medicare Advantage or drug plan, or move between Original Medicare and Medicare Advantage.
- Dec 7, 2026Last day to make changesYour plan must receive your request by this date.
- Jan 1, 2027New coverage beginsChanges made during Open Enrollment take effect.
- Jan 1 – Mar 31, 2027Medicare Advantage Open EnrollmentAlready in a Medicare Advantage plan? Make one switch to another plan or return to Original Medicare.
Official source: Medicare.gov ↗
ACA health plans (under 65)
For 2027 Marketplace coverage
- Nov 1, 2026Open Enrollment beginsEnroll, renew, or change Marketplace plans for 2027.
- Dec 15, 2026Deadline for January 1 coverageEnroll by this date so coverage starts January 1, 2027.
- Jan 15, 2027Open Enrollment ends (HealthCare.gov)Enroll Dec 16 – Jan 15 and coverage starts February 1.
- Jan 29, 2027Virginia Open Enrollment endsVirginia’s Insurance Marketplace runs Nov 1 – Jan 29.
Some states run their own marketplace with different dates. After Open Enrollment, you can enroll only with a qualifying life event, such as losing coverage, moving, marriage, or a new baby.
Official sources: HealthCare.gov ↗ · Virginia’s Insurance Marketplace ↗
How it works
- Tell us your ZIP, needs, and preferred language.
- A licensed agent compares options for your situation.
- Enroll when you’re ready — and stay covered with annual reviews.
Medicare Advantage (65+)
Plans matched to how you actually live — your doctors, medications, and budget.
$0 premium options
Many counties offer $0 monthly premium plans that bundle Original Medicare with extras.
Dental, vision & hearing
Benefits Original Medicare alone often doesn’t cover.
Part D drug coverage
Formulary checks against the prescriptions you actually take.
Extra allowances
OTC, grocery, transportation, and fitness benefits on many plans.
ACA health plans (under 65)
Marketplace coverage when you’re not on Medicare yet — including help checking subsidies and networks that fit your doctors and budget.
Start here: ACA health coverage
The Affordable Care Act (ACA) Marketplace lets individuals and families under 65 buy health coverage, and many people qualify for savings based on income. Open Enrollment usually runs from November 1 to January 15. Outside that window, you may still qualify for a Special Enrollment Period after a life event like losing job-based coverage, moving, marriage, or having a baby. Pick your state below to go to the right official marketplace.
Good fit if you…
Need individual or family coverage, lost employer insurance, or want to review Open Enrollment / Special Enrollment options.
Select your state to see where you enroll.
State list based on HealthCare.gov and the CMS list of state-based exchanges.
Helpful federal ACA resources
HealthCare.gov ↗
The official federal Health Insurance Marketplace.
See plans & prices ↗
Preview plans and estimated savings by ZIP code — no account needed.
Lower costs & savings ↗
Check whether you may qualify for premium tax credits or lower out-of-pocket costs.
Special Enrollment Periods ↗
Enroll outside Open Enrollment after a qualifying life event.
Medicaid & CHIP ↗
Free or low-cost coverage for eligible adults and children.
Find local help ↗
Search for free in-person enrollment help near you.
Help in other languages ↗
Official ACA information in Vietnamese, Spanish, Chinese, Korean, and more.
Life insurance
Protection sized for your family and budget — not a one-size-fits-all quote.
Term life
Affordable coverage for a set period while raising a family or paying a mortgage.
Whole & permanent
Lifelong coverage that can build cash value over time.
Guaranteed acceptance
Options when traditional underwriting may not be a fit.
Long-term care
Plan for care costs before they become a crisis — options that help protect savings if you need help with daily living later on.
Ask about long-term careWhy plan early
Coverage and pricing are often more favorable while you’re healthier. An agent can compare approaches that fit your timeline.
Annuities & lifetime income
Growth potential with a floor — and income you can’t outlive.
Fixed index annuities: growth potential, without the market-loss risk.
A fixed index annuity credits interest based on the performance of a market index — such as the S&P 500 — up to a cap, spread, or participation rate set by the carrier. When the index rises, your account can grow; when it falls, your principal and any gains you’ve already locked in are never reduced. It’s a way to participate in market upside while keeping a guaranteed floor under your retirement savings.
Principal protection
On fixed index annuities, market downturns typically don’t reduce your premium or locked-in gains (a 0% year, not a market loss).
Index-linked growth
Interest can be credited based on an index, up to a cap, spread, or participation rate.
Tax-deferred growth
Earnings can compound until withdrawn, subject to tax rules.
Lifetime income
Optional riders may convert savings into a payment stream you can’t outlive.
Guarantees are backed by the issuing carrier’s claims-paying ability, not FDIC insured. Caps, participation rates, fees, and surrender schedules vary by product. This is educational information, not an offer or personalized advice.
Our Team
Every client is matched with a licensed agent who specializes in the coverage they’re asking about.
Our Managing Partners
Wayne Tang
Managing Partner
Wayne Tang
Wayne Tang, a managing partner of One Care Services, has over two decades of experience in the healthcare setting and is currently a Senior Director at a world renowned university medical center. He holds a Master of Public Administration from NYU Wagner, double degrees BA and BS from the University of Rochester, and a certificate in Business Management and Leadership from Duke’s Fuqua School of Business. Wayne has over 20+ years in financial services. Today he mentors new agents and guides families through Medicare, life insurance, and retirement decisions, in English and Vietnamese.
Kyaw Win
Managing Partner
Kyaw Win
Kyaw Win, a managing partner of One Care Services based in New York, is a licensed life and health insurance specialist focused on Medicare, Medicaid, and ACA coverage. He holds a B.S. in Mechanical Engineering with a nuclear concentration from the City College of New York. He has 15+ years of experience in Marketplace, Medicaid enrollment. He leads the firm’s annual review program, checking in with every client each year so their coverage still fits their doctors, prescriptions, and budget. He serves clients in English and Burmese.
Rebecca Phan
Managing Partner
Rebecca Phan
Rebecca Phan, a managing partner of One Care Services based in Virginia, spent 26+ years in corporate finance for government contracting, including roles as Lead Budget at Booz Allen Hamilton, Program Control Manager at L3Harris, and Finance Director at Wyle. She holds a bachelor’s degree in finance from Marymount University and a Master of Business Administration from Strayer University. Today she brings that same discipline in budgeting, forecasting, and long-range planning to her clients’ personal finances, helping families see Medicare, ACA coverage, life insurance, long-term care, and fixed index annuities as one coordinated plan. She offers patient, plain-language guidance in English and Vietnamese.
Tap any card for specialty & bio.
Rebecca Phan
(571) 275-3825Specializes in permanent life insurance, long-term care, Medicare (65+), ACA plans (under 65), and fixed index annuities with lifetime income options.
Donna Hood
(281) 919-4444Helping families compare Medicare Advantage carriers over twenty states across the country, with a focus on plans that keep existing doctors in-network.
Kyaw Win
(646) 345-4321Leads our annual review program, making sure every client's coverage still fits as their needs change year to year.
Wayne Tang
(646) 457-9937Onboards and mentors newly licensed agents through their first six months of client conversations.
Nan Satt
(917) 415-8850Focuses on guaranteed lifetime income strategies, pairing annuities with life insurance for a complete retirement plan.
Gigi Lee
(917) 622-0938Medicare and Medicaid specialist with experience at Ritter FMO, Healthfirst, and UnitedHealthcare. Speaks English, Cantonese, and Mandarin.
Widny Belfond
(347) 440-5205A Creole-speaking community liaison, Widny helps Haitian Creole-speaking families navigate Medicare Advantage and life insurance decisions in their own language.
Cynthia Huynh
(973) 868-0636Based in New Jersey, Cynthia helps clients across the Garden State weigh Medicare Advantage plan networks against their current doctors and pharmacies, then layers in the right life insurance policy to round out the household's coverage.
Kristi Khong
(858) 414-0892Bio coming soon.
Jaime Pei
(917) 731-7975Runs day-to-day agency operations and designs the marketing materials clients see, keeping the One Care Services brand consistent across print and digital.
Carlos Reinozo
(631) 690-3499Works closely with dual-eligible clients to coordinate Medicare Advantage benefits alongside other assistance programs.
Karen Rong
(917) 432-8993Serving Brooklyn families for over twenty years, Karen has guided generations of clients through Medicare Advantage enrollment and annual plan changes in the borough's close-knit communities.
Talk to an agent
Have a question about Medicare Advantage, ACA plans, life insurance, long-term care, or annuities? Leave your details — no obligation.
Usually reply within one business day.
Become a One Care Services agent
Tell us a little about yourself. Our recruiting team reviews applications weekly.