Am I only eligible to get insurance during the "open enrollment" period? 

That is only for ACA/Obamacare and government plans. Private insurance is available year-round.

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Is private insurance expensive?

It is much less expensive than you likely think! From personal experience, I switched my family to private and we saved over $2000 a year.

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What are the biggest differences between ACA/Obamacare, Employer plans, and Private insurance?

ACA/Obamacare is major medical coverage that you cannot be denied for due to any pre-existing conditions. It is most affordable IF you get a government subsidy on the monthly premiums. If you aren't getting that discount, it is way more expensive than most plans out there.

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Employer plans are AMAZING for the employee themselves BUT the minute you add a family member (spouse or kids or both) on to the plan, that premium is going to skyrocket. This is because employers usually give benefits towards their employees but the family will be paying full price to be added on to the plan.

 

Private insurance is health-based so there is an application process because not everyone may qualify based on health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with BETTER coverage.

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Are these year-long contracts?

No required length of time- you have the plan because you need it.

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Will these plans cover me anywhere I go?

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.

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What is the fee for your services?

No fee, I'm here to help!

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What are insurance prices based on?

Public Marketplace (aka ACA/Obamacare plans) are based on income and age. Private plans are based on health.

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In most cases the only way to make coverage any cheaper is to remove benefits.

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Do you have other insurance plans as well?

I have Medical/Health, 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!