Frequently Asked Questions

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured person.

We have access to fully comprehensive health insurance plans both on and off the marketplace. We do NOT offer short-term limited benefit plans. 

Health insurance covers a wide range of medical expenses, including doctor visits, hospital stays, prescription drugs, and diagnostic tests. The specific coverage and benefits will vary depending on the type of health insurance plan you choose. 

The cost of health insurance will depend on several factors; including your age, health status, location,  annual household income, and the type of plan you choose.  

This will depend on the specific health insurance plan you choose. PPO plans have a broad provider network, while EPO + HMO plans may have a more limited network. Be sure to check the plan's provider directory before enrolling to ensure that your preferred doctor is included. 

Yes, under the Affordable Care Act (ACA), health insurance companies are required to offer coverage to people with pre-existing conditions. 

Enrollment periods will vary depending on the type of health insurance plan you choose. Under the ACA-Obamacare Marketplace plans, there is an annual open enrollment period from November 1 to January 15 each year. 

Private health plans process applications year-round! This means you can sign up for coverage at ANYTIME! 

If you are relatively healthy then you will be a strong candidate for private health coverage. Any major pre-existing conditions, such as cancer, stroke, diabetes, or prior heart attack may be reason for denial. In that case, there are other options outside of private coverage we can explore with you.