What kinds of health insurance plans are there to choose from?

HMO (Health Maintenance Organization) Plans – These plans are typically lower-cost but will require referrals for specialized care.

PPO (Preferred Provider Organization) Plans – These plans are more flexible, allowing specialized care without a referral. Usually slightly higher cost than an HMO.

EPO (Exclusive Provider Organization) Plans – These plans only cover services if your doctors are in the plan's network (except in emergencies). EPO plans generally offer lower-cost premiums.

POS (Point of Service) Plans – A hybrid plan that is typically lower-cost if you seek services from in-network providers. POS plans also require referrals for specialized care.

How much do health insurance plans typically cost?

Health insurance costs vary greatly based on the type of plan, level of coverage, your location, and your age. For individual plans, the average monthly premium is around $477 as of 2024. Subsidies and Premium Tax Credits through the ACA can significantly lower your costs — some clients pay as little as $0/month.

How often can I switch health insurance plans?

If you're on a marketplace health insurance plan, you can switch plans during the annual Open Enrollment Period (OEP), which occurs once per year in the fall (November 1 – January 15). Outside of OEP, you can switch if you qualify for a Special Enrollment Period (SEP), typically triggered by major life events such as marriage, having a baby, or losing other coverage.

Do individual health insurance plans cover pre-existing conditions?

Yes! Individual marketplace health insurance plans are required to cover people with pre-existing conditions. Under the Affordable Care Act (ACA), insurers cannot deny coverage or charge higher premiums based on an individual's health status.

Term Life Insurance

Affordable, straightforward coverage for a set period — typically 10, 15, 20, or 30 years. Ideal for income replacement and mortgage protection during your prime working years. Most affordable option for high coverage amounts.

Whole Life Insurance

Permanent coverage with a guaranteed death benefit and cash value that grows over time on a tax-deferred basis. Your premium never increases and the policy never expires as long as premiums are paid.

Universal Life Insurance

Flexible permanent coverage that lets you adjust premiums and death benefit as your needs change. Build tax-deferred cash value with the flexibility to use it during your lifetime.

Final Expense Insurance

Designed specifically to cover funeral costs, medical bills, and other end-of-life expenses. No medical exam required — guaranteed acceptance for qualifying ages. Ensures your family isn't burdened with unexpected costs.