PRIVATE HEALTH INSURANCE
1. WHEN TO APPLY FOR PRIVATE INSURANCE
Anytime. There are no enrollment periods. Individuals/Families can apply for coverage year-round.
2. IS PRIVATE INSURANCE INCOME BASED?
No, only the marketplace is Income Based - meaning they give individuals lower rates based off their Annual Household Income. Private insurance carriers are similar to the marketplace, instead of giving lower rates based off income, they offer lower rates based off health. That means a company can choose to deny you coverage based off preexisting conditions. For individuals with good health, depending on your income, in several cases individuals/families are able to get much lower rates then they would on the Marketplace.
3. HOW CAN I APPLY FOR COVERAGE?
You can either choose a plan on your own by selecting "Instant Quote" to the right. Or you can schedule a call to speak with a Licensed Agent who can guide you through the entire process & help you customize a plan specifically to your needs - this way we can make sure you have everything you need covered and help you avoid overpaying for anything you don't want/need. To schedule a call with an Agent, select the button "Speak to an Agent" to the right & choose a time that works best for you.