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Frequently Asked Questions (FAQs).
Here are the top 3 questions we are asked. It may even be the question that brought you here.
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I was offered COBRA.. Do I have to take it? Why is it so expensive?
No, you do not have to accept your employer’s COBRA option. They legally have to offer it but you do not have to accept. The cost of Cobra is typically 2-3 times more expensive. This is due to the employer taking away the discount that they were giving you when you were employed with them.
There are MANY more affordable options than taking the Cobra. We can find you a PPO plan with the same if not better benefits at a fraction of the cost.
Why is my employer charging so much for my family to be on my employer’s insurance?
Employer coverage is typically the best option for employees. This is because they offer such a huge discount to the employee. If you add a spouse or dependents though the price greatly increases to compensate for the discount they gave you. There is no need to overpay for your family.
Most people don’t realize you can split the family up. This strategy lets you capitalize on the employer coverage for yourself. It also allows you to get your family a more affordable private plan.
What is the difference between Obamacare and the Private Market?
Obamacare, otherwise known as the Marketplace, is designed to help individuals who are low income or unhealthy. They offer subsidies to those in financial need and cover all preexisting conditions. The private market are not guaranteed plans as they are health based plans. Since they restrict the amount of unhealthy individuals, they typically offer much more affordable rates for families. They can offer better benefits as well.
Insurance is not one size fits all. Every situation is unique. We will guide you through both markets. We will break down the plans. You can be assured that you are in the best spot possible.