Health Insurance for Individuals, Families, and Small Businesses
Whether you're self-employed, between jobs, or not covered by an employer plan, our licensed advisors compare health insurance options across multiple carriers to find coverage that fits your situation and your budget.
If you're not yet on Medicare, your options are broader than most people realize — and more affordable than many expect. The challenge is that individual health plans, ACA marketplace coverage, group benefits, and supplemental products each work differently, and the right choice depends on income, household size, health needs, and how you use your coverage.
As an independent insurance agency based in Morgantown, WV, we're not tied to any single carrier or product line. We compare private health insurance options across multiple carriers, explain the tradeoffs in plain language, and help you decide before you commit to anything.
Health Coverage for Every Situation
Not Just the Standard Work Plan
Not every health insurance shopper fits the same profile. Below is a full look at the coverage types we work with, along with what each one is designed to do. Every option links to a dedicated page with more detail.
Individual Health Insurance
Individual health insurance plans provide major medical coverage for people who don't have access to employer-sponsored benefits. Plans vary by carrier, premium, deductible, and network — and the right fit depends on your health history, how often you use your coverage, and what you can realistically afford each month.
ACA and Marketplace Plans
ACA marketplace plans are sold through the federal Health Insurance Marketplace and may qualify for premium tax credits based on your household income. Many West Virginia residents who assume they can't afford coverage are surprised to find they qualify for meaningful subsidies. We help you determine eligibility and compare plans available in your county.
Dental Insurance
Dental coverage is not included in most health insurance plans and is not covered by Medicare. Standalone dental plans vary significantly in what they cover, waiting periods they impose, and annual benefit limits. Through our Emeritas carrier partnership, you can also enroll in dental coverage directly online without going through an agent if you prefer a self-service option.
Vision Insurance
Routine eye exams and corrective lenses fall outside the scope of most health plans and are not covered by Original Medicare. Standalone vision plans are typically low-cost and straightforward. Like dental, vision coverage is also available through our Emeritas self-enrollment link for clients who want to handle it online without a consultation.
Telemedicine Plans
Freestanding telemedicine plans provide on-demand access to licensed physicians by phone or video, often for a low monthly cost. These plans are not a replacement for major medical coverage but work well as a complement — particularly for individuals and families who want access to care for routine issues without an urgent care copay. Self-enrollment available; launching soon.
Group Health Insurance
Group health insurance allows small businesses and employers to offer major medical coverage, voluntary benefits, and supplemental options to their employees. As an independent broker, we compare group plans across multiple carriers and help employers design a benefits package that works for the business and the team. Coverage for groups of one or more.
Accident, Cancer, and Critical Illness Insurance
These supplemental plans pay a cash benefit when a qualifying event occurs — an accident, a cancer diagnosis, or a critical illness like a heart attack or stroke. They're designed to offset out-of-pocket costs that major medical insurance doesn't fully cover, such as lost income, travel to treatment, or cost-sharing gaps during a long recovery.
Disability Insurance
Disability insurance replaces a portion of your income if an illness or injury prevents you from working. Most people who have employer-sponsored short-term disability don't realize how little it actually replaces — and most self-employed individuals have no income protection at all. We review your current situation and compare standalone options where coverage gaps exist.
Talk Our Medicare Team
What It Costs to Talk to Us
and What You Might Be Missing by Not Calling
There's no cost for a consultation. We're compensated by the carrier when you enroll in a plan, which means you get an independent review of your options without paying for it out of pocket.
The more common mistake we see isn't people who call us and don't buy anything. It's people who assumed coverage wasn't affordable — or that they didn't qualify for help — and went uninsured because they never checked. Marketplace subsidies for West Virginia residents can significantly reduce monthly premiums for individuals and families at a range of income levels. We run the eligibility check before assuming anything.
Get a Plan Comparison Built Around Your Zip Code, Your Doctors, and Your Prescriptions
The RetireFlow intake form captures the three things that actually determine which Medicare plan fits you: where you live, what medications you take, and which doctors you want to keep seeing. Once we have those, we pull the options available in your county and walk you through the comparison at no cost.
Health Insurance Questions We Hear Every Day
What are my health insurance options if I'm under 65?
Depending on your income, household size, and employment situation, your options typically include individual or family health plans, ACA marketplace plans with potential premium tax credits, short-term coverage, and supplemental products like dental, vision, and accident insurance. The right combination depends on how you use your coverage and what you can budget each month. We map out the options in a single conversation.
How do I get affordable health insurance without employer coverage?
Start by checking whether you qualify for ACA marketplace subsidies — many West Virginia residents who assume they earn too much are surprised by the result. For those who don't qualify for subsidies, we compare individual and family health plans across multiple carriers to find the most coverage for the budget. We also review supplemental options that can lower overall out-of-pocket risk without dramatically increasing monthly cost.
How do I find an independent health insurance agent in Morgantown, WV?
You're in the right place. Cilella Insurance is an independent agency based in Morgantown serving individuals, families, and small businesses across West Virginia and 13 additional states. We work with all major carriers and compare options across the full market — not just whoever we're contracted to sell.
What's the difference between an ACA plan and a private health insurance plan?
ACA marketplace plans are private health insurance plans sold through the federal Marketplace that may qualify for government subsidies based on income. Off-marketplace private health plans are also available and may be a better fit for individuals who earn too much to qualify for subsidies but want different coverage options. We compare both categories side by side.
Can you help my small business offer health insurance to employees?
Yes. We work with small businesses in West Virginia on group health insurance, voluntary benefits, and supplemental coverage for employee teams of all sizes. We compare plans across multiple carriers and help you design a benefits package that fits your business budget.
I split time between West Virginia and another state. Can you help me find a plan that works in both?
In most cases, yes. We're licensed in 14 states, including several that border West Virginia. If you spend part of the year elsewhere or have family members in another licensed state, we can review coverage options that account for your full situation rather than just your primary residence.
Cilella Insurance, operating as FGO Marketing LLC, is an independent insurance agency licensed in 14 states and based in Morgantown, West Virginia. Founded by Michael Cilella, who brings 13 years in the insurance industry, the agency serves individuals, families, and small businesses across West Virginia with health, life, and Medicare coverage. Learn more about our team on our
About page.
Not Sure Which Health Insurance Option Fits?
Let's Figure It Out Together.
There's no wrong question and no pressure to buy anything. Tell us your situation — we'll tell you what's available, what it costs, and what makes sense. One conversation is usually all it takes.