Health Insurance Hunter

Happy open enrollment! I hope everyone had a great Halloween! But, do you know what’s spookier than Halloween? Paying too much for your health insurance! Don’t be tricked by the ACA this year. Let’s schedule a time to look at all options, both on and off the marketplace, and make sure you have the best coverage at the best rates!

Are you stuck paying high monthly premiums for a plan you never reach the annual deductible on, and are left paying out-of-pocket for every doctor visit, prescription, lab/test, etc.? Are you limited to your zip code for coverage, otherwise your visit is considered out-of-network and the insurance company pays nothing? There are newer, better options available to you on the private market that aren't advertised and have exclusive rates available to those who qualify. NO annual deductibles that have to be met before the plan starts paying benefits, meaning your insurance is actually usable upon being approved. Let's take a look and see if you qualify, and see just how much you could be saving while also increasing your coverage.

To those of you currently with an ACA marketplace health insurance plan: Increase of premiums notices are either currently on their way to you in the mail, or will be mailed out soon. If you are healthy and currently on an ACA plan, you are already paying too much each month for your health coverage. After you receive that premium increase letter, you will be paying even more. This doesn't have to be the case though.

There are private health insurance plans out there, that reward people based on their health. Think of it like this: say you have a spotless driving record. No accidents, no tickets, nothing. And let's say I have multiple DUI's, moving violations, super speeder tickets, etc. Do you think it's fair for you to pay the same amount in auto insurance as me? It absolutely is not. So why should a healthy individual be stuck paying the same ACA monthly premiums as someone who has had a stroke, multiple heart attacks, has been to rehab multiple times for drug/alcohol abuse? Or have to pay increased premium rates to make up for those out there who can't afford to pay their premiums and are getting HUGE government subsidies and YOUR premiums for their coverage? You shouldn't.

Those ACA plans also, generally speaking, have limited HMO networks. You are stuck using doctors/facilities in your zip code and anything outside of your zip is considered out-of-network. Give me a call, shoot me a text, or send me a message on here, and lets take a look at some other options to get you and your family they coverage they actually need, and at a lower cost than an ACA plan.

Just licensed to sell in the state of Louisiana! That makes the 5th state I have been licensed in. Wonder which state will be next?