FAQS

What do my services cost?

My services are completely free. I am here to serve you and point you in the right direction to pick the most informed decision.

What are the differences between the public and private marketplace and employer coverage?

The Public Marketplace also none as ACA/Obamacare focuses on income. On these plans, you can not be denied due to pre-existing conditions. It is most affordable IF you qualify for large government subsidies. If you don’t qualify for those discounts, you probably are overpaying for your healthcare.

Employer Plans are normally the best coverage you can get as an individual, however, by adding a spouse and/or dependents, the premium usually increases significantly. Employers usually give benefits towards their employees, but the family typically has to pay full price.

Private Plans are based on your health, not your wealth, so your income is not going to increase your premiums at all on a private plan. There is an application process, so not everyone will qualify for these plans, however, if you are healthy and qualify, you have access to better coverage at a lower premium.

Does this coverage follow me anywhere I go?

Yes! The plans I specialize in are all PPO plans with the largest network, nationwide, which means your coverage is going to follow tou state to state.

How long does this coverage last?

This coverage is designed to help you as long as you need it. We can design a plan for your exact needs! We have access to the only guaranteed renewable plan on the market which means you do not have to renew your plan ever and you can stay on it until you are 65!

How can private insurance be less expensive than the public marketplace?

The public marketplace focuses on their clients health, so because they know they are insuraing all healthy people, they can give better coverage at a lower premium.

Can I only get a private plan during open enrollment?

Unlike the public marketplace, the private marketplace is open all year round. We can build you a plan any time you need!

On the public market place, they are determined by your income, so the more money you make, the less government assistance, if any, you will recieve, which will directly result in a higher monthly premium.

How are insurance prices determined?

On the private market, the focus on your health, but your zip code and age are factors in determining prices.

Do you only help with these private plans or do you offer other plans?

As an independent agent, I have access to all available plans to you. Even though I specialize in private plans, my goal is to find you the best plan for your situation, whether thats a private plan or not.