Question 1

Are there health insurance options I can enroll in any time of year?

Accepted Answer

Yes, there are several private health insurance options that allow you to enroll any time of year.

Question 2

Can I enroll in any type of health insurance if I have pre-existing medical conditions?

Accepted Answer

The short answer is no. ACA Marketplace health plans cover all pre-existing medical conditions from the first day of coverage, but other types of insurance generally require medical underwriting to qualify for enrollment in their coverage. This doesn’t mean that you have to be perfectly healthy to qualify for these non-ACA options, so it’s often worth investigating.

Question 3

Are there health insurance options for people who are healthy and rarely use their coverage?

Accepted Answer

Yes, there are options for healthy people that are more cost effective. Some plans provide mainly catastrophic coverage and can be a good option for people mainly looking for protection from large medical expenses.

Question 4

Why should I consider life insurance when I'm young and healthy?

Accepted Answer

Being young and healthy can be a good time to consider life insurance. You may be able to qualify for lower premiums and put coverage in place before future health changes make it more expensive or harder to obtain. Starting earlier can also provide protection as your responsibilities grow, and certain permanent policies can build cash value over time.

Question 5

What are living benefits in life insurance?

Accepted Answer

Living benefits are a powerful feature included in many life insurance policies that allow you to access part of your death benefit while you’re still alive. You can think of these benefits like a financial safety net when you need it most.

Question 6

What is supplemental insurance and how does it work with health insurance?

Accepted Answer

Supplemental insurance includes many different types of insurance policies that you can have in addition to your main health insurance coverage. It’s meant to add an extra layer of coverage by helping you to meet out-of-pocket expenses and other costs not covered by your health insurance.

Question 7

Why would I need disability insurance if I already have health insurance?

Accepted Answer

Health insurance helps with the cost of medical care, but it doesn't replace the paycheck you rely on for everyday expenses. Disability insurance is designed to help protect a portion of your income if a qualifying illness or injury keeps you from working, helping you manage expenses such as your mortgage or rent, utilities, groceries, and other financial obligations.

Question 8

When should I start reviewing my Medicare options before turning Age 65?

Accepted Answer

It’s a good idea to start reviewing your Medicare options a few months before you turn 65. This gives you time to understand how Medicare works, compare your coverage choices, and prepare for your Initial Enrollment Period, which generally begins three months before the month you turn 65. If you’re still working or have coverage through an employer, your enrollment timing may be different depending on your situation.

Health and life insurance guidance centered around you – not an insurance company.

An independent brokerage focused on your needs.

Independent Choice

Personalized Recommendations

Long-Term Support

One resource for different stages of life.

Individual Health Insurance

Family Health Insurance

Self-Employed & 1099 Coverage

Medicare

Want to See What Options May Be Available?

Kelly works for her clients – not one insurance company.

A simple path from questions to coverage.

Start With a Conversation

Discuss Your Needs

Compare Your Options

Make an Informed Choice

Real people. Real coverage. Real peace of mind.

Frequently Asked Questions

Let's find coverage that makes sense for you.