Question 1

When is open enrollment for health insurance?

Accepted Answer

Open enrollment for ACA health insurance plans begins November 1, 2025 and runs through January 15, 2026. This is the annual period when you can enroll in or change your health insurance plan. Contact us for a free consultation to explore your options.

Question 2

What's the difference between ACA and private health insurance?

Accepted Answer

ACA (Affordable Care Act) plans are government-regulated marketplace plans that may qualify for subsidies based on income. Private health insurance plans offer more flexibility, potentially broader networks, and may have different coverage options. We help you compare both to find the best fit for your needs and budget.

Question 3

Do small businesses have to provide health insurance?

Accepted Answer

Small businesses are generally not legally required to provide health insurance to employees. However, offering group health coverage can help attract and retain quality employees, provides tax advantages, and demonstrates your commitment to employee wellbeing. We specialize in affordable small business health plans.

Question 4

How much does health insurance cost?

Accepted Answer

Health insurance costs vary based on your age, family size, plan type, and coverage level. ACA plans may qualify for subsidies that significantly reduce your monthly premium. Private plans offer different pricing structures. Schedule a free consultation with us to get personalized quotes based on your specific situation.

Question 5

Can I get health insurance outside of open enrollment?

Accepted Answer

Yes, you may qualify for a Special Enrollment Period if you experience qualifying life events such as losing other coverage, getting married, having a baby, or moving. We can help determine if you qualify and guide you through the enrollment process. Additionally, private health insurance plans are available year-round, regardless of open enrollment periods.

Question 6

What areas do you serve?

Accepted Answer

We serve residents across 32 states: Alabama, Arkansas, Arizona, Colorado, Delaware, Florida, Georgia, Iowa, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, Nevada, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, West Virginia, and Wyoming.