Health Insurance
Understanding Deductibles, Max Out-of-Pockets & Copays
What are the differences between deductibles, max out-of-pockets & copays? I’d love to go over each with you and how they affect you
Understanding Your Unique Needs in a Plan
It’s important to know what the biggest risks are for your specific situation when it comes to healthcare so a plan can be put together that directly combats these things
How can we fill in the gaps that most health plans have?
There are many ways, that won’t break the bank, to supplement your coverage. Honestly, almost too many! I’ll simplify how to decide if a supplemental policy is right for you
F.A.Q.
What’s the most affordable health insurance?
The short answer, it depends. The marketplace offers $0/mo plans if you’re eligible for a subsidy and they offer very comprehensive coverage. Not everyone qualifies for a subsidy but a ton of people qualify for at least some level of savings on these plans. Sometimes, the marketplace plans can be extremely expensive though if you don’t qualify for a subsidy. And for someone like myself that’s younger & healthier, it may make more sense to be on a higher deductible private health insurance plan or even a low deductible private health insurance plan.
What are my health insurance options if I’m self-employed?
There are many options available! One of the benefits of being self-employed is that the income estimate is based off of your net income. So if you’re able to show low enough income on paper, you could qualify for savings on the marketplace plans. Often, for people that make a lot of money, are healthier, and want to save some money but not have as comprehensive of coverage, the private health insurance plans can be a good way to go.
We can talk all about the pros/cons to each side if you’re currently looking for a plan!
There’s also Medicare for those that are 65 years old and older which we can also discuss.
Do I have to pay more if I work with a health insurance broker?
No, the plans cost the same whether you want to figure everything out on your own or have someone guide you through the process. When insurance companies price their plans, they factor in broker commissions and then set uniform rates for everyone. Some brokers charge additional fees for services, however I do not.
Still Have Questions?
Give us a call or fill out a request so we can reach out