Frequently Asked Questions

No, open enrollment periods apply to ACA/Obamacare and government plans. Private health insurance is accessible throughout the year, allowing you to enroll at your convenience.

Not necessarily. Many find private insurance more affordable than expected. For instance, switching to a private plan can lead to significant annual savings.

ACA/Obamacare: Provides major medical coverage without denial for pre-existing conditions. It's most cost-effective if you qualify for government subsidies; without them, premiums can be higher.

Employer Plans: Often beneficial for employees but adding family members can substantially increase premiums, as employers typically subsidize only the employee's coverage.

Private Insurance: Health-based with an application process. Healthy individuals often receive preferred rates, resulting in lower premiums and enhanced coverage.

No, private insurance plans do not require long-term commitments. You maintain coverage as needed without being bound by lengthy contracts.

Yes, our plans provide nationwide coverage, both on and off the job. As PPO plans, they offer flexibility beyond local zip codes or counties.

No, our services are provided at no cost to you. We're here to assist you in finding the best coverage options.

Public Marketplace Plans (ACA/Obamacare): Premiums are based on income and age.

Private Plans: Premiums are determined by health status. Generally, the only ways to reduce premiums are by adjusting benefits or age, the latter being beyond our control.

Yes, we provide a range of insurance products, including Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, and Income Protection (Short-Term Disability). If you have specific needs, we're here to guide you toward the right solution.