About Signature Insurance

Who we are

Signature Insurance is an independent insurance brokerage based in Lexington, Kentucky. We are licensed in all 50 U.S. states and the District of Columbia. Our founder, Joe Baxter, has spent his career helping working people understand their health insurance options — and over the past several years has focused specifically on H2A (seasonal agricultural) and H2B (seasonal non-agricultural) visa workers, a population that is fully eligible for ACA Marketplace coverage but rarely told so.

Why this site exists

The Affordable Care Act treats H2A and H2B visa holders as "lawfully present" for Marketplace eligibility purposes. That means most H2A and H2B workers qualify for the same Marketplace plans U.S. citizens get — and because their incomes typically fall in the 100%–400% Federal Poverty Level range, they qualify for premium tax credits that bring the monthly cost to $0.

Despite this, very few H2A or H2B workers ever enroll. Employers usually don't know to mention it. Marketplace navigators rarely speak the right languages or understand the visa cycle. And the workers themselves often don't know they're eligible — or worry, mistakenly, that enrolling could affect their visa status.

Signature Insurance bridges that gap. We meet workers where they are: by phone, in plain language, in English or Spanish. Enrollment is free to the worker. Our compensation comes from carrier broker commissions — never from the worker.

What we do

• Eligibility verification — confirm your H2A or H2B status, your income range, and your subsidy entitlement, in one phone call.
• Plan comparison — show you every $0 (or near-$0) monthly premium plan available in your state, with co-pays, deductibles, and provider networks side-by-side.
• Enrollment — submit your Marketplace application on your behalf, including all paperwork. You don't navigate HealthCare.gov yourself.
• Mid-season changes — when you move from one state to another for a different season, we update your address and switch you to a plan that works in the new state.
• End-of-season closeout — when your visa ends and you depart the U.S., we report the change to the Marketplace so your eligibility cleanly closes.
• Re-enrollment next season — when you return on a new H2A or H2B visa, we re-enroll you in days under a Special Enrollment Period.

Languages we work in

• English — full enrollment
• Spanish (Español) — full enrollment
• Haitian Creole (Kreyòl Ayisyen) — partner translation available

States we serve

All 50 U.S. states. We have particular depth of experience in the highest-volume H2A/H2B states: Florida, Georgia, North Carolina, Washington, California, Michigan, Texas, New York, Louisiana, and Mississippi. See our state directory for state-specific information including top H2A industries and the relevant ACA Marketplace exchange.

Compensation and fees — full transparency

Signature Insurance does not charge any fee to H2A or H2B workers, ever. We are compensated by the insurance carriers through standard broker commissions when we enroll a client. This is a federally regulated commission structure that does not change the price the worker pays for the plan. The same plan costs the same whether you enroll directly through HealthCare.gov, through a Marketplace Navigator, or through Signature Insurance.

How to reach us

📋 Start Your Free Enrollment