General Information

1. What is the Affordable Care Act?

1. • The Affordable Care Act, or ACA, is a healthcare reform law passed in March 2010. It aims to make health insurance more affordable for Americans.

2. What are subsidies and how do they work?

1. • Subsidies are government financial assistance that lower your health insurance premiums based on your income. We can help determine your eligibility for subsidies during our consultation.

3. What is a deductible and how does it affect my health insurance costs?

10. • A deductible is the amount you pay out-of-pocket for covered healthcare services before your insurance starts to pay. Understanding your deductible helps you anticipate costs and choose a plan that fits your budget.

4. Why use an insurance broker?

10. • As brokers, we prioritize your interests over any single company. We compare plans from all major healthcare providers to find the best coverage for your needs. Our guidance helps you make informed decisions, saving you time and money. 

Eligibility and Enrollment

5. How do I qualify for free health insurance?

2. • You may qualify for free or low-cost health insurance based on your income and household size. We can help you determine eligibility and guide you through the enrollment process.

6. When is the open enrollment period for health insurance?

2. • The open enrollment period runs from November 1st to December 15th each year. This is the time to sign up for or make changes to your health insurance plan.

7. What if I missed the open enrollment period?

2. • If you missed open enrollment, you might still qualify for a Special Enrollment Period (SEP) due to certain life events like losing coverage, moving, getting married, or having a baby. Contact us to check eligibility.

8. Can I get health insurance if I have a pre-existing condition?

2. • Yes, under the ACA, insurers cannot deny coverage or charge higher premiums based on pre-existing conditions.

Coverage and Network

9. How can I find out if my preferred doctors/hospitals are in network?

5. • During our consultation, we’ll help you check if your preferred healthcare providers are in-network with the available plans, saving you significant out-of-pocket costs.

10. What types of insurance plans do you offer?

5. • We offer individual, family, and group health insurance, dental and vision coverage, supplemental insurance, life insurance, Medicare, and Medicaid. We tailor our recommendations to meet your specific needs.