ACA/Marketplace plans are primarily based on age and income.
Private insurance plans are based on health status.
No. The open enrollment period applies specifically to ACA (Obamacare) and government-sponsored plans. Private insurance plans are available year-round, allowing you to obtain coverage whenever you need it.
ACA/Obamacare plans provide major medical coverage and cannot deny coverage for pre-existing conditions. They are most cost-effective when you qualify for government subsidies. Without a subsidy, premiums can be higher than other options.
Employer-sponsored plans are excellent for employees but can become expensive when adding family members, as employer contributions typically cover only the employee. Family members may be billed at full price.
Private insurance is health-based and may require an application. Healthy individuals often qualify for preferred rates, resulting in lower premiums and, in many cases, more comprehensive coverage.
Yes. We provide access to a wide range of insurance options, including Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, and Income Protection (short-term disability). We can help you identify the right coverage based on your individual needs.
The cost depends on your specific situation. Public (ACA/Marketplace) plans are based on income and age, and they can be very affordable if you qualify for government subsidies. Without a subsidy, premiums can be higher than many private options.
Private insurance is generally priced based on your health. Healthy individuals often qualify for lower premiums and may receive more comprehensive coverage, making private plans less expensive in many cases.
In short, public plans can be cheaper with subsidies, while private plans can be more cost-effective for healthy individuals without the need for government assistance.
Yes. We provide access to a wide range of insurance options, including Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, and Income Protection (short-term disability). We can help you identify the right coverage based on your individual needs.
No. Our services are provided at no additional cost to you. We are here to guide you through your insurance options to help you find the right plan.