Share Your Details
Tell me who makes up your household, what you expect to earn this year and which doctors you already see.
Know Your ACA Plan Before You Enroll
Bring your household details. I explain the costs, the doctors and the financial help behind each Affordable Care Act plan.
How I work with you
Your Household Comes First, the Plan List Comes Second
Most people land on a long list of health plans and start guessing. I begin at the other end. You tell me who lives with you, what you expect to earn this year and which doctors you want to keep. From there I explain which Affordable Care Act plans match, and why.
- Every suggestion comes with the reason behind it, so you can push back, ask again or choose something else entirely.
- Your current doctors and prescriptions are checked against a plan's network and drug list before I ever bring it up.
- The choice stays yours. I explain and recommend, you decide, and the insurance carrier is the one issuing your plan.
From Your First Message to a Plan You Picked
It takes three short steps, and you set the pace. Nothing goes to an insurance carrier until you tell me it should.
Go Over the Plans
I explain the ACA plans that fit, with the premium, the deductible and the network laid out for each one.
Enroll in Your Pick
You choose the plan. I help you complete the enrollment form, line by line, so nothing on it gets missed.
One Short Form Is All It Takes to Begin
Fill it in once, and I go through your answers myself. You hear back from me with the Affordable Care Act plans that suit your family and your budget.
The Details That Decide What a Plan Really Costs
Most people look at the monthly premium and stop there. It is rarely the number that decides what a year of care costs. These are the parts of a plan I go through with you, one at a time.
Monthly premium
What keeping the plan active costs you every month, after any premium tax credit comes off.
Deductible
The amount you cover yourself each year before the plan starts to share your medical bills.
Copays and coinsurance
Your portion of each doctor visit or prescription, collected as a flat fee or a percentage.
Out-of-pocket maximum
The yearly ceiling on what you spend for covered care. Beyond it, the plan pays everything.
Doctor network
The doctors, labs and hospitals a plan works with. Going outside the list often costs more.
Drug list
Each plan keeps its own list of covered medicines, sorted into tiers with their own prices.
When my job ended, I assumed enrollment was closed for months. Turns out losing that plan let me enroll straight away.
Gwen H.
Client
I freelance as a courier, so my pay changes weekly. Now I know which yearly figure the enrollment form actually wants.
Jared F.
Client
Both of my kids kept their pediatrician because the network got looked at first. The monthly price came up after that.
Alicia M.
Client
Asked most often
Short Answers to the Questions People Bring Me First
These come up the most. The FAQs page answers plenty more about ACA coverage.
During Open Enrollment each year, or in a Special Enrollment Period after a life event such as losing a job plan.
No. An ACA plan has to accept you, and it cannot charge more because of a condition you already have.
It comes from your household size and the income you expect this year, and it lowers your monthly premium.
Yes. Each one covers essential health benefits such as doctor visits, hospital stays and prescriptions.
An insurance carrier does. I am one independent person who explains and recommends, not a government office.