What does using a broker cost me?
Nothing. My commission is paid by the carrier — not by you. The price you pay for the plan is the same whether you enroll through me or directly on Healthcare.gov. The difference is you get a real human in your corner.
What's the difference between ACA and private PPO?
ACA (Affordable Care Act) plans are sold through Healthcare.gov, priced based on your household income, and may qualify for big subsidies. They use HMO or EPO networks with limited doctor access.
Private PPO plans are sold off-marketplace by carriers like Blue Cross, UnitedHealthcare, and Cigna. They're priced based on your health (not income), use open-access PPO networks, and typically have lower deductibles. No subsidies, but often a better fit if you don't qualify for big ACA discounts.
When can I enroll?
ACA open enrollment runs Nov 1 — Jan 15 each year. Outside of that window, you need a qualifying life event (loss of coverage, marriage, baby, move, etc.) to enroll in an ACA plan.
Private PPO plans are available year-round. If you've missed open enrollment and don't have a qualifying event, a private plan is often the answer.
Which states are you licensed in?
I'm licensed in 31 states across the US, including all major Sun Belt and Northeast markets. Book a free call and I'll confirm I can write in yours — if not, I'll connect you with someone I trust who can.
Will my current doctor still be in network?
That's one of the first things we check together. Before you enroll in anything, I'll pull up your doctor and any prescriptions and confirm they're covered. No surprises after the fact.
How long does this whole process take?
Usually two short calls. The first is 15 minutes — you tell me about your situation. I shop your options. The second call is 20-30 minutes — we review the best 2-3 fits and enroll if you want to. Most plans are active within days.
What if I have a problem with my plan later?
You text me. Seriously. I stay your broker for life — claim denied, network changed, premium jumped, time to switch plans next year — all of it goes through me. No 1-800 numbers, no waiting on hold.
How do I qualify for an ACA subsidy?
ACA subsidies are based on your household income relative to the federal poverty level (FPL). Most people earning between roughly $15,000 and $60,000 (single) or $30,000 and $120,000 (family of 4) qualify for some subsidy. The exact amount depends on your state, age, and plan tier. I'll run your numbers on our call.
I'm self-employed. What's the best option?
Self-employed folks have unique flexibility — your income can be hard to predict, which affects ACA subsidies. We'll look at both: an ACA plan with realistic income reporting, and a private PPO that's health-based. The right answer depends on your numbers and how much network flexibility you need.
What about my small business — can I cover employees?
Yes. I help small business owners set up group health plans (for 2+ employees) or, alternatively, structure things so each employee buys their own individual plan with a tax-advantaged reimbursement (QSEHRA or ICHRA). Each has trade-offs — let's talk through what fits your team.
Do you sell Medicare?
Not currently — my focus is on under-65 health coverage (ACA, private PPO, supplemental). If you're Medicare-eligible, I'll connect you with a specialist I trust.
Can I add dental or vision?
Yes. Most major medical plans don't include dental or vision — we can add standalone plans, often for $20-40/month total. I'll bundle whatever you need (dental, vision, accident, critical illness, hospital indemnity) and only what you need.