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Frequently Asked Questions

We’ll get you the plan you need. By asking only the important questions, we determine the top plans for you, providing customized quotes to ensure that you find the plan that best fits your budget and lifestyle. Whether you’re shopping for yourself or for the whole family, we’ll make sure that you find a plan tailored to your needs.

We offer plans for individuals and families, nationwide. Whether you’re looking for an Obamacare approved plan or a short term plan to protect you from coverage gaps, we’ll help you get the coverage you need.

The Open Enrollment Period only happens once per year and is your yearly opportunity to sign up for a new plan or change your existing health insurance coverage. This year the Open Enrollment Period runs from November 1st to January 31st.

The Affordable Care Act, also known as Obamacare, created some big changes in health insurance. These changes are designed to give consumers increased protection and guaranteed minimum coverage for essential care. Plans that meet the criteria outlined by the ACA are known as Affordable Care Act compliant. All Obamacare approved plans provide coverage for:

  1. Outpatient care
  2. Emergency room care
  3. Hospital inpatient care
  4. Pre and post-natal care
  5. Mental health and substance abuse treatment
  6. Prescription drugs
  7. Lab tests
  8. Preventative services
  9. Pediatric services
  10. Rehabilitory services after an accident or due to a chronic illness or disability.

In addition, the ACA also mandates that these plans must be available to everyone. Click here for more information about Obamacare.

Health insurance not only protects you from large medical bills but also gives you access to a network of medical professionals in your area helping you find the best care possible. Additionally, the Affordable Care Act mandates that you must have health insurance. If you do not have health insurance, you may have to pay a tax penalty. Although some people may be exempt from this fine, the vast majority of people without health insurance will be subject to the penalty.

ACA Health plans come in five different coverage levels, known as metal plans:

  • BRONZE plans: Pays around 60% of healthcare costs
  • SILVER plans: Pays around 70% of healthcare costs
  • GOLD plans: Pays around 80% of healthcare costs
  • PLATINUM plans: Pays around 90% of healthcare costs
  • CATASTROPHIC plans: offer the lowest level of coverage and are only available to people under 30 and those with a hardship exemption.

Click here for more information about Obamacare plans.

Short-term health insurance provides coverage for a limited period of time. If you recently lost coverage, are looking to protect yourself from a coverage gap, or even just need a policy for a specific event, then a short-term plan is a great option. Click here to read more about short-term plans.

Yes! We understand that shopping for health insurance can seem overwhelming, and although our online process is simple, sometimes it’s easier to talk it through. Our experienced agents are ready to answer all of your questions and walk you through the health insurance selection process. Give us a call to get started at 1-866-337-0636

We’ll ask some basic information about yourself such as your age and zip code, your household size, and a few questions about your lifestyle so that we can accurately calculate the best rates for you. Click Here to get a customized quote.

Your savings depend on your expected income for the year. This year, about 8 in 10 of the uninsured who are eligible for Marketplace coverage qualify for financial assistance to lower the cost of their monthly premiums. But, don’t worry about doing the math, we’ll check to see exactly how much financial help you may be eligible for as part of our quoting process.

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