Question 1

What is the Marketplace and should I use it?

Accepted Answer

The Marketplace is a government-run platform for comparing and purchasing health plans. It also determines if you qualify for subsidies to lower your costs.

Question 2

Is a newborn covered immediately?

Accepted Answer

Yes. A newborn is automatically covered for the first 30 days, but you’ll need to add them to your plan within that period to maintain ongoing coverage.

Question 3

What is a deductible?

Accepted Answer

A deductible is the amount you pay for medical services before your insurance begins covering costs. We’ll help you choose a deductible that fits your budget.

Question 4

Is dental and vision for my kids included?

Accepted Answer

Some Marketplace plans include pediatric dental and vision coverage. If not, we can help you add affordable family-wide options.

Question 5

When can I enroll in a family plan?

Accepted Answer

Enrollment typically happens during the annual Open Enrollment Period, but certain life events—like having a baby—allow you to enroll anytime.

Question 6

Can I keep my family doctor?

Accepted Answer

In most cases, yes. We’ll help you find a plan that keeps your trusted providers in-network.

Question 7

What’s the difference between a Marketplace and a direct plan?

Accepted Answer

The Marketplace is a government service that determines subsidy eligibility based on income. A direct plan is purchased directly from an insurance carrier. We’ll compare both to see which is best for you.

Question 8

When is the Open Enrollment Period?

Accepted Answer

Each year, there’s a set enrollment window where you can sign up for or change a Marketplace health plan. Outside this period, you can only enroll if you have a qualifying life event (such as marriage, a move, or job change).

Question 9

I’m self-employed. What are my options?

Accepted Answer

Great ones! You may qualify for a Marketplace plan or purchase individual coverage directly. We’ll help you find a plan that matches your income and lifestyle.

Question 10

I’m moving to a new state. What happens to my insurance?

Accepted Answer

Moving is a qualifying life event, so you’ll be able to update your plan or enroll in a new one in your new state. We’ll guide you through the transition.

Question 11

What is COBRA and how does it work?

Accepted Answer

COBRA is a federal law that lets you keep your employer’s health insurance temporarily after leaving a job. We’ll help you understand your rights and options, and see whether a Marketplace or individual plan may be a better fit.

Question 12

How much does individual insurance cost?

Accepted Answer

Costs depend on age, income, location, and plan type. We’ll help you find the most affordable option without sacrificing the coverage you need.

Your Complete Health Protection

Key Benefits of Our Coverage

How it works

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Your Complete Health Protection

Key Benefits of Our Coverage

How it works

Take the First Step

Need Help? Find Answers Here!