HEALTH INSURANCE FAQ
Answers to the questions we hear most about individual and family health insurance. Don’t see your question? Reach out anytime.
About the Agent
Do you charge for consultations?
No. Consultations are always free, and you never pay us a fee.
AI can generate insurance quotes in seconds. Why would I want a human agent?
We bring real-world experience to ask the right questions, helping you catch hidden coverage gaps and uncover the answers to questions you didn’t even know to ask.
What are the benefits of having a dedicated agent?
A health insurance agent saves you time by comparing multiple plans to match your exact medical needs and budget. We guide you through tricky enrollment paperwork and deadlines so you avoid costly mistakes.
How do you get paid?
The agent’s pay is already built into the cost of your insurance, whether or not you use an agent. We’re paid directly by the insurance companies, and we’re paid when you enroll through us. You never pay us a fee.
Does it cost more to buy through an agent than directly from the company?
No. The premium is the same either way. The difference is that you get someone to explain the options and help with problems after you enroll.
Will you still help me after I enroll?
Yes. Typical post-enrollment help includes finding doctors, helping with ID cards, and a yearly review at renewal or open enrollment. We are always here to do reviews if you have questions about how your coverage works.
Under-65 and Non-Medicare Health Insurance
Do you offer different types of health insurance?
Yes, we work with ACA (Affordable Care Act) Marketplace, Christian share, and private plans.
What is the ACA Marketplace and who qualifies for subsidies?
It’s the government-regulated exchange for individual and family plans. Premium tax credits depend on household income and family size, and the rules and amounts can change by year.
When can I sign up for individual health insurance?
Mostly during the yearly open enrollment period, which starts November 1 and goes to January 15. Outside that window you need a qualifying life event, such as losing coverage, marriage, a birth, or a move.
Can I be turned down for a health condition?
Not for ACA plans. Pre-existing conditions can’t be used to deny coverage or raise premiums. Other types of coverage do not always cover pre-existing conditions.
Trust and Compliance
Do I have to enroll today?
No. Take time to compare, and don’t feel pressure to decide on the spot. We recommend getting quotes at least a few weeks (or months for Medicare) before you need the coverage to start so you have time.
LET’S GET STARTED
Tell us a little about what you’re looking for and we’ll reach out.