frequently asked questions

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This only applies to Public Marketplace/ACA/Obamacare plans. You can also get on these plans with a qualifying life event or during Open Enrollment. Public plans can also be canceled at any time. So if you were to find coverage somewhere else that fits you better, there is no issue switching.

Private plans are available year-round! There are no limitations on when you can get on and off of private healthcare.

It is much less expensive than you think! Since the rates for private healthcare are based on health and not income, you will generally see lower prices AND better benefits if you can qualify.

ACA/Obamacare (Affordable Care Act) is best for those with pre-existing conditions or those needing maternity coverage. It is affordable if you are under the income threshold that qualifies you for government subsidies or a premium tax credit. If you aren't getting government assistance, it is extremely expensive. These plans are mostly high premiums/high deductibles because anyone can get on them.

Most employer plans are great for the employee because the employer is legally responsible to pay 50% of the employee's monthly premium. The downside is that the employer is not responsible for paying anything toward family add-ons. This causes the price to jump up significantly when adding family members and can get pretty costly because the family will be paying full price to be added to the plan.

Private insurance is medically underwritten, meaning you have to qualify based on your health. Since you are in a lower-risk pool of people, you get a lower premium and preferred rates, so they are more affordable than most plans and with BETTER coverage.

Yes, there is no contract for any health insurance plan, besides employer coverage. You can cancel at any time for both public and private health insurance plans.

YES! Nationwide health coverage, on and off the job. All private plans are PPO networks, so you aren't limited to coverage in your zip code/county like many plans. You are covered anywhere you go!

Public Marketplace/ACA/Obamacare plans are based on income, zip code, and age. If you don't qualify for government subsidies, they can be very expensive.

Private plans are based on health, age, and zip code.

If health insurance is ever suspiciously cheap, it is usually not a fully comprehensive plan. These are usually short-term or cost-sharing plans with VERY limited coverage. These types of plans also have no coverage for pre-existing conditions.

No! As a health insurance broker, I can also write policies for Dental, Vision, Life, Supplemental, Critical Illness, Accident Disability, etc. I have many trusted referral partners so I am happy to guide you to one of them If you need something I can’t help with.