FAQs

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

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

Is private insurance expensive?

It is much less expensive than you likely think! Most clients save anywhere between $2,000- $7,000 a year in their premium costs, AND get better benefits, too!

What are the biggest differences between ACA/Obamacare, Employer plans, and Private insurance? 

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 aren't getting that discount, it is way more expensive than most plans out there.


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 skyrocket. This is because employers usually give benefits towards their employees but the family will be paying full price to be added on to the plan.


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

Are these year-long contracts? 

No required length of time, or contracts that trap you - you have the plan as long as you want or need it.

Do I have to live in a certain state to be able to purchase a private PPO plan? 

Yes! Private PPO Plans available for clients residing in:  AL• AR • CO • DE • GA • FL • IA • IL • IN • KS • KY • LA • MD • MI • MS • MO • MT • NE • NV • NC • OH • OK  • SC • SD • TN • TX • UT • VA • WI • WV • WY 

What is the fee for your services? 

No fee, we are happy to help :)

What are insurance prices based on? 

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

In most cases the only way to make coverage any cheaper is to either remove benefits or reverse age. Can't say we have that superpower!

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 or county like many plans. ANY doctor ANY hospital in the country!

Are these short-term, healthsharing or "junk" insurance plans? 

Nope! Short-term plans and "junk" plans like limited benefit plans or health sharing plans are something else entirely.  

These are high- quality, private health-based based plans from reputable major carriers that you will recognize. 

The catch? The health-based plans are medically underwritten, which means you have to be relatively healthy to qualify for some of them. There are also-guaranteed-issue plans available, as well. 

What is a medically underwritten private plan? 

Private Medically underwritten plans are based on health versus income, like the Obamacare plans.

The qualify for the best private plans, you would need to be relatively healthy. 

Here is a basic list of preexisting medical conditions that might disqualify a person from qualifying for the underwritten plans: