Health Insurance Questions, Answered Clearly

The right option depends on your income, health history, doctors, prescriptions, and coverage priorities. Marketplace plans may include income-based subsidies and guaranteed eligibility, while private PPO options may offer broader provider access for applicants who qualify medically. We compare both based on your specific situation.

No — we're an independent brokerage and compare plans across 50+ carriers, including Blue Cross Blue Shield, UnitedHealthcare, Aetna, Kaiser Permanente, and Oscar, so the recommendation is based on fit, not a quota.

Job loss is a qualifying life event that opens a 60-day Special Enrollment Period, and private PPO plans can often start as soon as the 1st or 15th of the following month — frequently faster than waiting on a COBRA election.

Usually yes with a broad PPO plan, but we always verify your specific doctors and hospitals against a plan's network before you enroll — never assume based on the carrier name alone.

A traditional group plan is selected by the employer for everyone; an ICHRA lets you reimburse employees tax-free for individual plans they choose themselves with no minimum group size; a QSEHRA is a simpler version of the same idea for businesses under 50 employees. We'll help you pick based on team size and budget.

We're currently licensed and active in 30+ states. Check the Coverage by State page, or just call — if we're not licensed where you are, we'll tell you upfront rather than waste your time.

Yes. Licensed brokers are compensated by the insurance carrier at enrollment, not by you, so comparing plans and enrolling through us costs nothing extra — you'd pay the same premium buying direct from the carrier.

Most first calls run 20-30 minutes. We'll ask about your household, budget, and current coverage, then walk through 2-3 plan options that fit — no pressure to decide on the spot.

We specialize in private, self-employed, and small-business coverage for working-age adults and do not handle Medicare enrollment. If you're approaching 65, we recommend contacting a Medicare-specific broker or 1-800-MEDICARE directly.

We don't process Medicaid applications. If your household likely qualifies for Medicaid based on income, your state Medicaid office or healthcare.gov is the right starting point — we're happy to point you in the right direction.