Question 1

Will I qualify for Private Health Insurance?

Accepted Answer

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!

Question 2

Does it have to be "Open Enrollment" to be able to sign up for Private Insurance?

Accepted Answer

This only applies to Marketplace/ACA/Obamacare plans and Employer sponsored plans. Private plans are available year-round! There are no limitations of when you can get on and off of a private plan.

Question 3

Isn't Private Heath Insurance really expensive?!

Accepted Answer

It is much less expensive than you think! Since the rates for private healthcare are based on health, and not your income, you will generally see lower prices AND better benefits if you can qualify. Most clients save anywhere from $1200-3600 per year!

Question 4

What are the biggest differences between ACA/Obamacare, Employer Coverage, and Private Health Insurance?"

Accepted Answer

ACA/Obamacare is best for those with pre-existing conditions or those needing maternity coverage. It is affordable if you are under the income threshold that qualifies you for government subsidies. If you aren't getting government assistance, it is extremely expensive. These plans are mostly high premium/high deductibles because anyone can get on them.

Most employer plans are great for the employee because the employer is legally responsible to pay 50% of the employee's monthly premium. The downside is that the employer is not responsible for paying anything towards family add-ons. This causes the price to jump up significantly when adding family members and can get pretty costly because the family will be paying full price to be added to the plan.

Private insurance is medically underwritten, meaning you have to qualify based on your health. Since you are in a lower-risk pool of people, you get a lower premium and preferred rates, so they are more affordable than most plans with BETTER coverage.

Question 5

Can I cancel at any time?

Accepted Answer

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

Question 6

Will Private Plans cover me anywhere I go?

Accepted Answer

YES!

Nationwide coverage, on and off the job. All private plans are on major PPO networks, so you aren't limited to coverage in your county/state like many plans. You are covered anywhere you go!

Question 7

Do you only work with health insurance? What about dental, vision, life, etc?

Accepted Answer

No. I can also write policies for Dental and Vision as well!

I have many trusted referral/business partners, so I am always happy to refer you to one of them if there is something I can’t help you with.

THOMAS ASHBY

CEO | Ashby Advisors Inc.