This only applies to Marketplace/ACA/Obamacare plans and Employer sponsored plans. Private plans are available year-round! There are no limitations of when you can get on and off of a private plan.

ACA/Obamacare is best for those with pre-existing conditions or those needing maternity coverage. It is affordable if you are under the income threshold that qualifies you for government subsidies. If you aren't getting government assistance, it is extremely expensive. These plans are mostly high premium/high deductibles because anyone can get on them. Most employer plans are great for the employee because the employer is legally responsible to pay 50% of the employee's monthly premium. The downside is that the employer is not responsible for paying anything towards family add-ons. This causes the price to jump up significantly when adding family members and can get pretty costly because the family will be paying full price to be added to the plan. Private insurance is medically underwritten, meaning you have to qualify based on your health. Since you are in a lower-risk pool of people, you get a lower premium and preferred rates, so they are more affordable than most plans with BETTER coverage.

No. I can also write policies for Dental and Vision as well! My wife, Amy, handles all of our client's Life Insurance and Investment policies. I have many trusted referral partners, so I am always happy to refer you to one of them if there is something I can’t help you with.

You don’t have to be an olympic athlete by any means, but if you are in relatively good health then you should be a strong candidate. Of course individual considerations will be made, but if you don’t have any major pre-existing conditions such as cancer, heart attack, stroke, or diabetes then a private plan may be right for you!

Yes, there are no contracts for any type of health insurance plan, besides employer coverage. You can cancel at anytime for both the public and private health insurance plans.

YES! Nationwide coverage, on and off the job. All private plans are on major PPO networks, so you aren't limited to coverage in your county/state like many plans. You are covered anywhere you go!

It is much less expensive than you think! Since the rates for private healthcare are based on health, and not your income, you will generally see lower prices AND better benefits if you can qualify. Most clients save anywhere from $1200-3600 per year!