Health insurance helps cover the costs of medical and surgical expenses when you’re sick or injured. Depending on your plan, it can either reimburse you for your medical bills or pay the healthcare provider directly. Having health insurance protects you from high, unexpected costs and ensures you have access to regular medical care. It also often includes preventive care, such as vaccines and check-ups, to help you stay healthy.

A deductible in health insurance is the amount you pay out-of-pocket for healthcare services before your insurance plan begins to cover costs. For example, if you have a $1,000 deductible, you must pay the first $1,000 of your medical expenses before your insurance starts paying its share. It’s important to know that plans with higher deductibles usually come with lower monthly premiums, while lower deductible plans often have higher premiums.

ACA/Obamacare provides comprehensive major medical coverage that cannot deny you based on pre-existing conditions. It is most affordable if you qualify for government subsidies on your monthly premiums, but without those subsidies, it can be more expensive than many other options.

Employer-sponsored plans typically offer excellent coverage for employees, with lower premiums due to employer contributions. However, when you add family members like a spouse or children, the premiums can increase significantly, as the employer's contributions usually apply only to the employee, leaving the family to cover the full cost.

Private insurance requires a health-based application process, which may result in denial of coverage based on your health conditions. However, if you qualify, private insurance often provides lower premiums and better coverage, as the rates are based on your health status.

You don’t have to be in top physical shape, but if you’re generally healthy, you’re likely eligible. If you don’t have major pre-existing conditions such as cancer, heart disease, stroke, or diabetes, a private plan could be a great choice. We’ll also consider your individual health situation to ensure it’s the right fit for you.

No, you don't have to wait for Open Enrollment to sign up for Private Insurance. Unlike ACA plans, private insurance allows you to apply and enroll at any time throughout the year. This flexibility makes it easier to get coverage when you need it, without having to wait for specific enrollment periods.

There's no required commitment with this plan—you keep it as long as you need it.

Yes! These plans offer nationwide coverage, both on and off the job. Since they are PPO plans, you're not restricted to coverage within your local area—you can use them anywhere you go.

There is no fee for my services. My goal is to help you find the best insurance plan without any extra cost to you.