Frequently Asked Questions (FAQs)

You don’t have to be an olympic athlete by any means, but if you are in relatively good health then you should be a strong candidate.

Of course individual considerations will be made, but if you don’t have any major pre-existing conditions such as cancer, heart attack, stroke, or diabetes then a private plan may be right for you!

This only applies to Marketplace/ACA/Obamacare plans and Employer sponsored plans. Private plans are available year-round! There are no limitations of when you can get on and off of a private plan.

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.

Yes, there are no contracts for any type of health insurance plan, besides employer coverage. You can cancel at anytime for both the public and private health insurance plans.

No. I also have access to different dental and vision as well!

I have many trusted referral partners, so I'm always happy to refer you to one of them if there is something I can’t help you with.