Open enrollment is only for public market (ACA / Obamacare) government issued policies. Private coverage is available at any time.

Private plan rates are based on health, not income. If you have a higher income, a private plan might be a better fit since your rate is determined by factors like your age and overall health. These plans often come with fixed rates that don’t change based on how much you earn.

Public plan rates are income-based. If your income varies or is difficult to estimate, this option might not be ideal. Generally, the more you earn, the fewer savings you’ll receive through the public marketplace. On the other hand, if your annual income falls below a certain threshold, you could end up ineligible for any savings at all.

No cost to you! My role as an advisor is to guide you through all your options, explain what’s available, and help you make the best choice for you and your family.

Health insurance isn’t for everyday needs—it’s for the unexpected. Most people don’t get insured just for routine checkups, but to have protection in case something major happens.

AL, AR, CO, DE, FL, GA, IL, IN, IA, KS, KY, LA, MD, MI, MS, MO, MT, NE, NV, NE, NC, OH, OK, PA, SC, SD, TN, TX, UT, VA, WV, WI, WY

My NPN (National Producer Number) is 21492650, which can be verified at https://nipr.com/help/look-up-your-npn (NIPR – National Insurance Producer Registry). Can I enroll outside of open enrollment ?

If you do care to confirm, you can also call NIPR directly at (855)674-6477.