"Open Enrollment" only applies to Public Marketplace/ACA/Obamacare plans. You can also get on these plans with a qualifying life event or during Open Enrollment. Public/marketplace plans can be canceled at any time, so if you were to find coverage somewhere else that fits you better, there is no issue switching. Private plans are available year-round! There are no limitations of when you can get on and off of private healthcare.

YES! Nationwide coverage, on and off the job. They are PPO plans so you aren't limited to coverage in your zip code/county like many plans. Perfect if you travel for work or leisure to other states!

It is much less expensive than you think without sacrificing coverage! Since the rates for private healthcare are based on health and not income, you will generally see lower prices AND better benefits if you can qualify. You most likely will save thousandths yearly!

There is NO fee! It's my pleasure in guiding you through this complicated industry.

I'm able to write Medical/Health AND also Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short term disability) and access to everything out there so I am happy to guide you in the right direction if you are needing something specific!

ACA/Obamacare: Major medical that works well for anyone with pre-existing conditions or those needing maternity coverage since you cannot be denied. Plans will be most affordable IF you can get a government subsidy based on income. If you aren't getting government assistance, it is extremely expensive compared to other plans. These plans consist mostly of high premium/high deductibles because anyone can get on them, so more. 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: It 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.

YES! There is no contract for any health insurance plan, besides employer coverage. You can cancel at anytime for both the public and private health insurance plans.

Public Marketplace (aka ACA/Obamacare plans) are based on income and age and zip code. Private plans are based on health, age, and zip code. In most cases the only way to make coverage any cheaper is to either remove benefits or reverse age. Can't say I have that superpower! If health insurance is ever suspiciously cheap, outside of the marketplace where it's based on income, it is usually not a fully comprehensive plan. These are probably short-term or cost-sharing plans with extremely limited coverage.