Do I only have the "open enrollment" time period to be able to set up private insurance?

Is private insurance expensive?

What is the biggest difference between ACA/Obamacare, Private insurance, and Employer plans?

That is only for ACA/Obamacare and government plans. Private insurance is available year-round.

It is likely less expensive than you think. I personally switched my family to private insurance and saved several thousand dollars that year!

ACA/Obamacare is major medical coverage that you cannot be denied for due to any pre-existing conditions. It is most affordable IF you get a government subsidy on the monthly premiums. If you are getting that discount, it is way more expensive than most plans out there.

Private insurance is health-based so there is an application process because not everyone may qualify based on health. Once approved, because you are healthy, you're getting a preferred rate so it is cheaper than most plans with better coverage!

Employer plans are amazing for the employee themselves but the minute you add a family member (spouse or kids or both) on to the plan, that premium is going to astronomically increase! This is because employers give benefits towards their EMPLOYEES but the FAMILY will be paying FULL PRICE to be added on to the plan.

Are these year long contracts?

No length of time is required- you have the plan because you need it :)

Will these plans cover me anywhere I go?

Yes! Nationwide coverage, on and off the job! They are PPO plans so you aren't limited to coverage in your zip code and/or county like most plans.

What is the fee for your services?

That's the best part, there's NO FEE! I'm here to find the best coverage that's within your budget and most importantly - make the process SIMPLE!

What are insurance prices based on?

ACA/Obamacare plans (aka public marketplace) are based on income and age. Private plans are based on health.

Do you have other insurance plans as well?

I have medical/health, dental, vision, life, supplemental, critical illness, income protection (aka short term disability) and access to everything out there so I am happy to guide you in the right direction if you are needing something specific!

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