Frequently Asked Questions

Surprisingly, it’s often more affordable than you might expect! Private healthcare rates are determined by your health rather than your income, which typically results in lower costs and better benefits if you qualify. Many clients save between $1,200 and $3,600 annually!

Not at all! Consultations are entirely free and designed for your benefit!

No, it doesn't have to be "Open Enrollment" to sign up for private insurance. This restriction only applies to Marketplace/ACA/Obamacare plans and employer-sponsored plans. Private plans are available year-round, with no limitations on when you can join or leave a plan.

Marketplace Insurance (ACA/Obamacare):

• This is comprehensive health coverage that can't deny you for any pre-existing conditions.
• It's usually the most affordable if you qualify for a government subsidy on your monthly premiums.
• Without the subsidy, it can be more expensive than other plans.

Employer Insurance:

• Great for the employee, but adding family members (spouse or kids) can make the premium much higher.
• Employers often cover most of the employee's premium but not the family's, so adding family members can be costly.

Short-Term Medical Insurance:

• Best for temporary coverage, ideally for 30 days or less.
• Often sold by unlicensed agents who might misrepresent them as full coverage.
• Typically doesn't cover pre-existing conditions or major medical expenses, so it's not a good long-term solution.

Private Insurance:

• This type of insurance is based on your health, so you need to apply and not everyone will qualify.
• If you are healthy, you get a preferred rate, making it cheaper than many other plans and often with better coverage.

Yes, private plans provide nationwide coverage, both on and off the job. Since all private plans are on major PPO networks, you won't be restricted to coverage within your county or state like many other plans. You will be covered wherever you go!

Yes you may! There are NO contracts or obligations for any sort of health insurance plan, besides employer coverage. With employer coverage, you sign and agree to stay on that plan for X duration of time. You can cancel at ANYTIME for both the public and private health insurance plans.