Frequently Asked Questions

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.

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.

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.

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.

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.

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.

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.

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.

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

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!