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Yes you may qualify for savings when you are applying with a Special Enrollment Period.

You can choose to cancel any ACA or private insurance plan. In most cases, you cannot cancel group policies through employers.

• With open enrollments, you can change your health insurance plan for any reason.
• Some health plans are for limited time and some are guaranteed renewed until the age of 65 (premium increases annually

• Yes we offer health plans that cover pre-existing condition
• Some pre-existing conditions are accepted even with medically underwritten plans.

• You can have an estimate of your total costs including your premium, deductible and out-of-pockets costs when viewing health plans.
• At the time of our consultation, we discuss in detail about the cost of premium, deductible, and out-of-pocket cost.
• Our health insurance partners can mail out the brochures to our clients at request.

• No it is not mandatory to have health insurance
• There are no penalties for not having a health plan

No, you do not have to be on the same plan as your spouse. You both may carry on with the different individual plans you like.

Not at all, you can check if you qualify for a subsidy first. If you do, you can apply that subsidy on any health plan you choose.

To qualify for Obamacare, one must be a US national or legal resident, living in US with an income 500% or below FPL(Federal Poverty Level).

The Obamacare subsidies help the qualified individual reduce the premium costs. You can go for any of the two basic forms of Obamacare; premium tax credits and cost-sharing reductions

• You can get health insurance for your kids under Obamacare
• You can also get a health coverage through our trusted private insurance companies.

With Major medical health insurance, you and your insurer pay a part of your medical services and prescription drugs meanwhile supplemental health insurance covers the costs such as deductibles, copayments, and coinsurance that your health insurance may not pay. Supplementary insurance can be an addition to your major health insurance but not the alternative.

• Most private health insurance companies do not cover pregnancy or pay limited coverage for it.
• Fortunately, there are health plans available on marketplace for pregnancy.
• State medicaid programs are available for pregnant woman as well.

• Doctors and hospital vary to the providers and health plans with PPO, HMO, EPO, and POS networks.
• You can also visit links below to see your insurance plans acceptance with doctors, specialists, dentists, hospitals etc.

Your health insurance plans will cover emergency services in all states but non-emergency care and visits will not be covered outside the state unless you have a PPO plan that offers you health coverage outside of state.

Yes, due to its flexibility of going out-of-networks and no need for referrals, PPO plans are costly than HMO networks.

• PPO coverage will give you bigger network.
• PPO coverage will require you to have a Primary Care Physician referrals
• PPO coverage will give you coverage outside of state for basic services as well.

The Obamacare subsidies help the qualified individual reduce the premium costs. You can go for any of the two basic forms of Obamacare; premium tax credits and cost-sharing reductions

Unlike PPO health plans, you have to stay within the provided networks in HMO plans otherwise you may have to pay from your own pocket unless emergencies. Also, physician referrals are needed to receive the benefits and services.

HSA is a type of savings account in which you can save your pretax money to pay for deductibles, copayments, coinsurance and other medical expenses and lower your medical costs.

In co-payment, you pay the fixed amount according to your health plan for the service before receiving any specific service.

You pay deductible for health services before your insurance provider starts to pay.

The part of total costs of a medical service you pay after the deductible.

Unlike other government insurances, private insurances could be sign up at any time of the year.

In-network providers are those doctors, specialists, and hospitals who have signed up with your health insurance provider while out-of-network are the ones who haven’t.

• It is a possibility to have your application declined due to certain reasons such as medical reasons, there are medically underwritten plans that can decline if underwriting conditions are not met.
• Your application could also be declined for not having a social security number.
• Another declined reason could also be not having any previous medical history.

If you have an indemnity plan, your health insurance company pays a decided percentage of the total cost of a medical service you receive, and you pay the remaining amount. With no limitation to network, one is free to choose their specialists and hospitals.

There are several private insurance plans that are medically unwritten if client wants to get insurance in the middle of the year, they will have to medically qualify for the health plan.

PHCS stands for Private Health Care System that means most of the places that accepts private health insurance should be accepting PHCS/Multiplan network plans.