A. Our services are free. We are compensated by the health insurance carriers if we are able to help you find a plan.
A. No. By law, the price is the same whether you use an agent or not. We can’t affect the rates, we can only help you understand the benefits and premiums so you can choose what’s right for you.
A. We take an “Active Listening” role so we can understand your situation from your point of view. We always review your budget and health so you can choose a plan that is affordable and provides the benefits you need most.
A. Plans commonly referred to as “Obamacare” are part of the Affordable Care Act and may subsidize your premiums based on your household income.
A. Affordable Care Act plans cover medically necessary treatment, and many other treatments you may not use like maternity, fertility, substance abuse, weight loss surgery etc. This has increased rates substantially.
A. Yes, you have access to “Child Only” plans. These do vary by carrier and state.
A. The “Shared Responsibility” penalty is no longer enforced for 2019 and beyond. You can choose any kind of plan you want with no risk of paying a penalty.
A. Factors affecting premiums are age, income, household size, tobacco, and location. Premiums for older Americans can be 3 times higher than younger enrollees.
