My mission is to take the stress out of finding the right health coverage by offering comprehensive, tailored options that fit your current needs. I focus on securing the most affordable and personalized plans for you and your family, ensuring you have peace of mind with coverage that fit best for your situation.

Public Marketplace (aka ACA/Obamacare plans) are based on income and age. Private plans are based on health. In most cases the only way to make coverage any cheaper is to either remove benefits or reverse age. Unfortunately, I can't say I have that superpower!

You don’t have to be an olympic athlete by any means, but if you are in relatively good health then you should be a strong candidate. Of course individual considerations will be made, but if you don’t have any major pre-existing conditions such as cancer, heart attack, stroke, or diabetes then a private plan may be right for you!

ACA/Obamacare is major medical coverage that you cannot be denied due to any pre-existing conditions. It is most affordable IF you get a government subsidy on the monthly premiums. If you aren't getting that discount, it is way more expensive than most plans out there. Employer plans are AMAZING for the employee themselves BUT the minute you add a family member (spouse or kids or both) onto the plan, that premium is going to skyrocket. This is because employers usually give benefits to their employees but the family will be paying full price to be added on to the plan. Private insurance is health-based so there is an application process because not everyone may qualify based on health. Because you're healthy, you're getting a preferred rate so it is cheaper than most plans with BETTER coverage.

Yes, there is no contract for any health insurance plan, besides employer coverage. You can cancel at anytime for both the public and private health insurance plans.

Public Marketplace/ACA/Obamacare plans are based on income, zip code, and age. If you don't qualify for government subsidies, they can be very expensive. Private plans are based on health, age, and zip code. If health insurance is ever suspiciously cheap, it is usually not a fully comprehensive plan. These are usually short-term or cost-sharing plans with VERY limited coverage. These types of plans also have no coverage for pre-existing conditions.

That is only for ACA/Obamacare and government plans. Private insurance is available year-round.

I have Medical/Health, Dental, Vision, Life, Supplemental, Critical Illness, Income Protection (aka Short term disability), and access to everything out there, so I am happy to guide you in the right direction if you are needing something specific!