FAQ
Frequently asked questions
Clear answers to the questions we hear most. Don't see yours? Get in touch.
What is the ACA / Health Insurance Marketplace?+
The Affordable Care Act (ACA) Marketplace is the federal/state platform where individuals and families can shop for health insurance plans, compare options, and check eligibility for subsidies that may lower monthly costs.
Can you help me determine whether I qualify for a subsidy?+
Yes. We'll walk through your household size and estimated income to help you understand whether you may qualify for advanced premium tax credits or cost-sharing reductions on a Marketplace plan.
What if I missed Open Enrollment?+
You may still be able to enroll through a Special Enrollment Period if you've had a qualifying life event. We can help you determine eligibility.
What is a Special Enrollment Period?+
A Special Enrollment Period (SEP) is a window outside of Open Enrollment when you can enroll in or change coverage after certain life events — such as losing health coverage, moving, getting married, or having a child.
Can you help me compare plans based on my doctors and prescriptions?+
Yes. We help you review provider networks and prescription drug coverage so you can choose a plan that supports the care and medications you rely on.
Is there a cost to speak with someone about my options?+
No. Speaking with a licensed representative about your health insurance options is free with no obligation.
What information should I have ready before requesting a quote?+
It helps to have your ZIP code, household size, estimated annual household income, a list of preferred doctors or hospitals, and any regular prescriptions.
Do plan availability and benefits vary by state?+
Yes. Health insurance plan availability, eligibility, networks, and benefits vary by state and may change year to year.