Frequently Asked Questions

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Obamacare (ACA) Plans are based on Age, Gender, & Annual Household Income Estimations for 2024. The marketplace opens on Nov 1st, 2023, & these plans are guaranteed insurability. These plans will work if you need financial assistance or have a major pre-existing condition!

Employer Coverage is typically more affordable for single individuals if that employer pays 50% or more towards the monthly premiums. When you add on a spouse or dependents, premiums tend to increase!

Short-Term Medical plans DO NOT cover pre-existing conditions or most major medical expenses. That is merely due to the limitations & exclusions these plans have. STM Plans have 5k, 12k, & 15k deductibles that reset every 3, 6, to 12 months. If you’re in relatively good health, you may be eligible for preferred rates and better benefits through the Private Sector! 

Private, Medically Underwritten plans are similar to the “Safe Driver Discount” but for medical insurance. Private health-based plans provide no calendar year deductibles, low to no copays, & are TAX deductible. They do pull your prescription profile & medical records, but if you're healthy... it’s a win-win!

This is only applicable to Public Marketplace/Obamacare/ACA healthcare plans. You can enroll on these options during Open Enrollment, or if you have a (QLE) qualifying life event. ACA healthcare plans can also be canceled at any time the insured were to find a better alternative solution.