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Navigating Health Insurance: What Are EPOs, PPOs, and HMOs?

Navigating Health Insurance: What Are EPOs, PPOs, and HMOs? When a person is first approaching the subject of health insurance, all the different terminology can make their head spin. In this article, we’ll help you grasp the differences between EPOs, PPOs, and HMOs. An EPO is an exclusive provider organization. This is a health insurance plan that offers

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What Are Obamacare and the ACA, and Can They Work for You?

What Are Obamacare and the ACA, and Can They Work for You? What is the ACA? It’s the Affordable Care Act, implemented in 2010. It is widely known as Obamacare and is sometimes referred to as the Marketplace. Why do we have the ACA? This law was passed to protect consumers from insurance companies driving up patient costs

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What Is Taxable Income and How Does It Affect Health Insurance Under the ACA?

What Is Taxable Income and How Does It Affect Health Insurance Under the ACA?  If you are going to apply for health insurance under the Affordable Care Act implemented in 2010, one of the most important pieces of data you need to have for that application is your taxable income for the current year. Determining the implications of

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What You Should Know When Looking for Individual Health Insurance

What You Should Know When Looking for Individual Health Insurance Unfortunately, acquiring health insurance has become a very confusing subject. It might even be as confusing as taxes—maybe more so in some situations. Each year, it seems more laws affect an individual, family, or business trying to obtain health insurance for the first time or when they are

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When You Leave a Job Must You Take COBRA? (And More) – Dan Jung’s interview on the Paul Cook Podcast

After having an appointment with our Dan Jung to discuss his personal health coverage, local radio host Paul Cook decided that more people needed to hear what Dan has to say about Health Insurance. We couldn't agree more! You can listen to the episode here:

Why do we charge a fee for Enrollment?

Why do we charge a fee for Enrollment? Because we work for you- not the big insurance companies A question I hear often is: ‘Why do you charge a fee? I could go to another broker or an insurance provider that signs me up for less – even nothing!’. Our answer is simple: our fee means we work

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If you meet certain income requirements, you can sign up for Health Insurance anytime in 2022!

If you meet certain income requirements, you can sign up for Health Insurance anytime in 2022! The U.S. Department of Health & Human Services recently announced a SEP (Special Enrollment Period) for the ACA (Affordable Care Act) that lets certain households sign up for affordable Health Insurance anytime in 2022. We know that’s a lot of jargon, so to

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When can you change or enroll your Health Plan? (Medicare or Marketplace)

Are you enrolled in a Medicare plan and want to change it? Not sure if you can enroll in a Health Insurance Marketplace plan through the Affordable Care Act for the first time? Wanting to change your health insurance coverage? This Flow chart can help you know if you can do it now. We made this flowchart to simplify

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How old should I be before I let my Life Insurance Policy lapse?

Should I be covered until I’m 70? 80? What about 90? This is a common question I get asked, and to be truthful, there is not a single answer that is right for everyone. In general, especially for “men” (because of life expectancy) I like to TARGET having and paying insurance to extend to age 85! This is of

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