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Frequently Asked Questions
What’s the difference between Marketplace and Private plans?
Marketplace plans are government-regulated with potential subsidies; private plans are offered directly by insurance companies and may offer more flexible options.
What are Group plans?
Group plans are designed for businesses and organizations offering discounted rates for multiple members under one policy.
Do you offer dental and vision coverage?
Yes — I offer both standalone and bundled plans from top-rated carriers.
Can I get coverage with pre-existing conditions?
Absolutely. Many plans offer full coverage regardless of health history — I’ll help you find the best options.
What is co-insurance?
Co-insurance is your share of the costs of a covered service after your deductible is met.
What is a deductible?
A deductible is the amount you pay out-of-pocket before your insurance starts covering certain services.
HMO vs PPO vs EPO — what’s the difference?
HMO requires referrals and in-network doctors; PPO offers more flexibility including out-of-network and no referrals; EPO requires in-network providers.
When can I enroll?
Open Enrollment is usually Nov–Jan, but Special Enrollment is available after qualifying life events.
How much does coverage typically cost?
It depends on plan type, income, and household size. I help you compare options and apply for subsidies where available.
Can I change or cancel my plan later?
Yes — during Open Enrollment or if you qualify for Special Enrollment.