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Affordable Care Act / Marketplace health plans
– Open Enrollment Period. From November 1st – December 15th each year  you can join or switch. Your coverage will begin on January 1st.
– Outside the yearly Open Enrollment Period you can sign up for health insurance if you qualify for a Special Enrollment Period /SEP/ if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby or adopting a child or if your household income is below a certain amount..
Private health insurance can be purchased any time of the year – We have access to medically underwritten plans that offer lower monthly premiums being in good health, just like a “good driver” discount on your auto insurance. Please, contact us for more information as those options are not available online.

Public insurance or group employer plans are most suitable options for individuals with pre-existing conditions. 
If you take medications always check the Rx benefits to make sure your plan would cover it properly. 
Also, make sure your doctors are accepting your plan!

Private insurance is medically underwritten and offers lower monthly premiums. Being in good health is just like being a good driver and getting a discount on your auto insurance. It offers a PPO network and your coverage travels with you! Also, you have the freedom to pick your health providers. Chat with us to learn more!

The monthly premiums and benefits are based on your annual household income. Those options would be most suitable for individuals/families with lower income and pre-existing conditions.

These health plans are designed for short period of time. We recommend avoiding those options at all cost if possible and try to secure coverage that would not leave you financially exposed even for a month or two. 

Deductible – A deductible is the amount you pay for health care services before your health insurance begins to pay. After that, you share the cost with your plan by paying coinsurance/copay.
Out-of-Pocket Maximum/limit – The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance for in-network care and services, your health plan pays 100% of the costs of covered benefits.

In general, any cost that goes towards meeting your Deductible – goes towards your Out-of-Pocket Maximum as well.

Copay is a fixed amount you pay for covered health care services to providers who contract with your health insurance plan. In-network copayments usually are less than out-of-network copayments.
Coinsurance is usually the percentage costs of a covered health care service you pay after you’ve paid your deductible. 

You can use a tax credit to lower your monthly insurance payment – also called “premium”. When you enroll in a plan through the Health Insurance Marketplace – your tax credit is based on your annual income and household information that you put on your Marketplace application.

If you have a question and you don’t see the answer – please, reach out to us via our live chat or call/text us directly.