Common questions.

No. Our help is free to you. Licensed agents are paid by the insurance company you choose, and the plan costs the same whether you use us or not.

No. We're an independent agency. We compare plans from multiple insurers and explain the trade-offs so you can choose.

No. Our plan shopper shows live Marketplace prices with just your ZIP code, ages and an income estimate. You only share contact details if you want our help.

Look at the total yearly cost, not just the monthly premium. Bronze and Silver plans cost less each month; Gold and Platinum cost more monthly but less when you use care. If you see doctors often, a higher tier can cost less over the year.

Usually, yes. The key is making sure your doctors and hospital are in the plan's network. We check that before you enroll.

Each plan has its own drug list. Send us your medications and we'll check how each plan covers them and what you'd pay.

Depending on household income, you may qualify for Marketplace tax credits, extra savings on Silver plans, Medicaid or CHIP. The rules change from year to year, so we check the current numbers for your household.

ACA Open Enrollment starts every November 1. Outside it, you need a qualifying life event such as marriage, a new baby, a move or losing other coverage. Private plans and Medicare have their own timing; we'll tell you what applies.

We're based in Utah and licensed in many other states. Enter your ZIP code in the plan shopper or book a call and we'll confirm.

Shop plans and enroll yourself online, or book a free call and we'll walk you through it start to finish.