Frequently Asked Questions

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This is only for ACA/Obamacare, government, and employer plans. Private insurance plans are available all year long.

Actually, more people can find cheaper options by going with a private insurance plan. I personally saved over $380 each month. Compared to my COBRA option, I saved over $1200 each month by selecting a private plan instead of enrolling in the temporary COBRA option.

ACA/Obamacare is major medical coverage that you cannot be denied for due to any pre-existing conditions. It can be the most affordable if you get a government subsidy on the monthly premiums. If you aren't getting that discount, it is way more expensive than most plans out there.

Employer plans are great for the employee themselves, but the minute you add a family member (spouse or dependents) on to the plan, that premium is going to skyrocket. This is because employers usually give benefits towards their employees but the family will be paying full price to be added on to the plan.

Private insurance is health-based so there is an application process because not everyone may qualify based on health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with better coverage.

No, most plans have a rate guarantee of 12-24 months, but that does not bind you to keeping the plan for that amount of time.

My favorite private plan option is a PPO with coverage in all 50 states and covers you on and off the job (perfect for people who travel for work or for fun)!

There is no fee, my job is to help you!

The public marketplace (ACA/Obamacare) plans are based on age and zip code. Private plans are based upon age, zip code, and health. Unfortunately, I cannot change the price of the plans.

I have medical/health, dental, vision, life, supplemental, critical illness, income protection (aka short-term disability), and access to everything out there so I am happy to guide you in the right direction if you are needing something specific!

The best part of shopping for health insurance is that prices are set straight from the insurance companies based off of age, gender, zip code, and health in some circumstances. It is not like shopping for a car where you need to visit multiple car lots to confirm the best price to features. Prices can only vary based off of coverage levels and different networks so rest assured that you have all the control in selecting a plan that best fits your needs and your budget--I am just here to help explain the differences in the various coverages!