Frequently Asked Questions
Do I only have the "open enrollment" time period to be able to set up private insurance?
That is only for ACA/Obamacare and government plans. Private insurance is available year-round.
What are the biggest differences between ACA/Obamacare, Employer Coverage, and Private Health Insurance?"
ACA/Obamacare 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. If you aren't getting government assistance, it is extremely expensive. These plans are mostly high premium/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 towards 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 with better coverage.
Isn't Private Heath Insurance expensive?
It's likely to be less than you think. On average, most clients save anywhere from $1200-$3600 per year.
Are there minimum contract lengths?
No. There are no contracts for any type of health insurance plan, aside from employer coverage. You can cancel at anytime for both the public and private health insurance plans.
Will private plans cover me anywhere I go?
Yes! You' will have nationwide coverage, on and off the job. All private plans are on major PPO networks, so you aren't limited to coverage in your zipcode/county like many other plans.
Do you have other insurance plans as well?
Yes. I have Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, and Income Protection (aka Short term disability.) I am happy to guide you in the right direction if you are needing something specific that I don't offer.