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. Medically underwritten plans have stronger benefits and limits.

ACA Public Marketplace/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. These private plans offer nationwide coverage on and off the job through America’s largest PPO network. That means you’re not restricted to your zip code or state the way many government-based plans are. While network access is extensive, coverage is not guaranteed at every provider, so it’s always recommended to check the provider portal before receiving services -especially when traveling or visiting a new facility.  As long as your policy is active and in good standing, you can access care across the U.S. and confirm in-network providers in advance. If you move all we will need to do is update your mailing address, you do not have to find new insurance.

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.

As a licensed health and life insurance advisor, I can also write policies for Dental, Vision, Life, Supplemental, Critical Illness, and Accident Disability, etc. I also work directly with a trusted licensed referral partner so I am happy to guide you to them if their is a product I can’t help with.