Open enrollment is only for ACA/Obamacare and government plans. Private insurance is available year-round.

For relatively healthy individuals, not only does private insurance cost less than public plans, but they also have far more coverage believe it or not!

No required length of time - you can keep the plan as little or as long as you’d like!

Yes! I work with nationwide PPO plans that travel with you across all 50 states on or off the job! You have the luxury of going to the doctor / hospital you prefer VS being restricted to select providers within your zip code as most people are.

No fee; I'm happy to help you out!

ACA/Obamacare is major medical coverage that you cannot be denied for due to any pre-existing conditions. Anyone and everyone can have it. It is affordable if you get a government subsidy on the monthly premiums (you must have a low income to qualify for a subsidy). If not, it is much more expensive than the private plans I can offer. These plans typically have unattainable deductibles and limited networks. Some employer plans can be beneficial for the employee themselves, but what they offer and how much they cover greatly varies. Additionally, the minute you add a spouse or child to the plan, your premium skyrockets. This is due to employers giving benefits solely to their employees while the family gains no cost reduction when added onto the plan. For this reason, we also offer employer-split coverage, which allows the rest of your family to gain immense cost reductions putting them on a separate plan while keeping the employee on employer plan so we can save as much as we can. Private insurance is health-based. You are sitting in a low risk pool with other healthy people like yourself. Therefore the insurance company can offer better rates while covering you for a lot more. There is a quick application process to qualify your health to gain these preferred rates which I guide you through. In the event you do not qualify based on health, we will still find the best health coverage options for you on the public marketplace!

Public Marketplace (ACA/Obamacare plans) are based on income and age, whereas private plans are based on health (this is why you're able to save a lot of money). In most cases the only way to make coverage any cheaper is to either remove benefits or reverse age. Can't say I have that superpower!

I have Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short term disability), and access to everything out there, so I am happy to guide you in the right direction if you are needing something specific!

Prior conditions do not make your premium cost more. Private insurance is based entirely off of zip code and age! Private plans are health based though, depending on how major your pre-existing condition is you may not qualify for the private side. I always make sure my clients' pre-existing conditions are covered. That is most important. This is why private insurance can offer great benefits because you are sitting in a small risk pool with other healthy individuals.

Every employer has something different to offer, it doesn't mean it's going to be the best for you. It's still always worth comparing to other plans to make sure you're in the best position! Typically employer plans are great for the employee because they usually contribute at least 50% towards their monthly premiums ( in larger companies). However, as soon as you add a spouse/dependents the premiums skyrocket because they don't not have to contribute to the families premiums & they are added at full price. I am always happy to do free policy reviews to make sure the employer plan makes sense for you!

After your policy is approved, you have the benefit of having me available for the duration of your policy! Anything you need - I'm your girl! Feel free to text my personal phone or give me a call :) You never have to figure anything out on your own.