Question 1

Do I only have the "open enrollment" time period to be able to set up private insurance?

Accepted Answer

Public plans have specific open enrollment periods and qualifying life events that determine when you can enroll and make changes to your coverage, but private plans offer year-round enrollment options with more flexibility and convenience. With private plans, you don't have to wait for open enrollment or experience a qualifying life event to make changes to your coverage.

Question 2

Will I qualify for private health insurance?

Accepted Answer

Being in good health is a strong indicator that a private insurance plan may be the right choice for you. We will consider your individual circumstances, but generally, if you're relatively healthy and don't have any major pre-existing conditions, a private plan could be a great option.

Question 3

Is private insurance really expensive?

Accepted Answer

You may be surprised to learn that private healthcare can be more affordable than you expect. Because private healthcare plans base rates on your health rather than your income, you may qualify for lower prices and better benefits.

Question 4

What are the biggest differences between ACA/Obamacare Heath Insurance, Employer Coverage, and Private Health Insurance?

Accepted Answer

ACA/Obamacare, also known as the Public Marketplace, is a government-funded program that aims to provide health insurance to those who may not be able to afford it otherwise. It offers plans that cover pre-existing conditions and maternity care, and subsidies are available for those who qualify based on their income. However, these plans can be more expensive for those who do not qualify for subsidies and may have higher premiums and deductibles.

Employer coverage is health insurance provided by an individual's place of employment. These plans are often more affordable for the employee as the employer pays a portion of the monthly premium. However, they can be more expensive for family members and dependents as the employer is not responsible for paying towards their coverage.

Private health insurance is purchased directly from insurance companies and is not government-funded. These plans are medically underwritten, meaning that individuals must qualify based on their health. As a result, people in these plans are generally in a lower-risk pool and can result in lower premiums and preferred rates compared to ACA/Obamacare or employer coverage, but also may have less coverage for major preexisting conditions.

Question 5

Will private plans cover me anywhere I go?

Accepted Answer

Yes, private health insurance plans offer nationwide coverage, both on and off the job. Additionally, private plans typically use PPO networks, which means you are not limited to coverage in a specific area like some other plans. This means that you can be covered anywhere you go within the United States.

Question 6

What are health insurance prices based on?

Accepted Answer

Public Marketplace/ACA/Obamacare plans are determined by factors such as income, location, and age, and can be costly for those who do not qualify for government subsidies. In contrast, private plans take into account factors such as health, age, and location to determine coverage. It's important to note that if a health insurance plan seems too good to be true in terms of cost, it's likely a limited benefit or short-term plan with no coverage for pre-existing conditions or preventative care. These plans may not be suitable for those who need comprehensive coverage.

Question 7

Can I cancel at any time?

Accepted Answer

It is correct to say that there is no long-term contract for most health insurance plans, including those offered on the Public Marketplace/ACA/Obamacare and private insurance plans. This means that you have the flexibility to cancel or change your plan at any time. The exception to this would be employer coverage, which typically requires you to maintain coverage for a certain period of time or during a certain enrollment period.

Question 8

Do you only work with health insurance? What about dental, vision, etc?

Accepted Answer

I am not only limited to writing policies for health insurance, I also offer coverage options for dental, vision, life, supplemental, critical illness, accident disability, and more. I also have a network of trusted referral partners that I can refer you to if I am unable to assist you with a specific coverage need.

Question 9

How can I schedule an appointment?

Accepted Answer

You can schedule an appointment by clicking on the booking link at the top of the website or, you can go here: https://calendly.com/jakeskirby

Question 10

Do I have to pay you for using your service?

Accepted Answer

There is absolutely no charge to you for my services. I'm in this business to help people save money not to make you spend more of it!

Frequently Asked Questions