Frequently Asked Questions

No. Quotes are always free, and we support you on your plan year-round at no charge. We're paid by the insurance carriers, and your premium is the same as if you went directly to the carrier.

Plenty. Depending on your income and state, you may qualify for marketplace plans with tax credits, private PPO plans, or a small group plan if you have employees. We compare them all and show you the real cost.

Often, yes. Many carriers write group plans for very small businesses, though the rules vary by state. We'll check what's available for your company and whether a group plan or an alternative like an ICHRA makes more sense.

It depends on the plan. Private market plans can be purchased any time of year, with no qualifying event needed. ACA marketplace plans open each fall during Open Enrollment; outside that window you need a qualifying life event, like losing other coverage, moving, marriage, or a new baby. Small group plans can start any month.

We check every plan's network before you enroll, so you know which options include your doctors, hospitals, and prescriptions.

We're based in Fort Lauderdale, Florida and licensed in 30+ states. We work with clients by phone, email, and video, so you can work with us from anywhere.