Depends. 1. For some plans, like those found on healthcare.gov,(http://healthcare.gov) the annual enrollment period begins Nov 1 and generally ends Dec 15, unless it is extended that year. The exception would be if you have a SEP or special enrollment period. This is a limited time in which you can select a plan or add a member to your insurance. 2. During your employers enrollment period. It is recommended you reach out to your HR department to know when those dates are as to not miss it. 3. Lastly, for plans in the private sector, not set enrollment period. Based on availability and eligibility.

• Premium – What you pay monthly to have the plan • Deductible – What you pay before insurance starts covering costs • Maximum out of pocket - The most you would have to pay in a year for covered medical services before your insurance pays 100%. • Copay – A fixed fee for services (like $25 for a doctor visit)

• HMO – Must stay in network, need referrals • PPO – More flexibility, can go out of network

Costs vary based on: • Your age • Location • Income (you may qualify for subsidies) • Type of plan • Your health (you may qualify for preferred rates)

A network is a group of doctors and hospitals your plan works with. Staying in-network usually saves you money.

Yes—that’s exactly what we do. We shop multiple carriers (both public and private) to find the best fit for your needs and budget.

An agent: • Saves you time • Helps you avoid costly mistakes • Gives you access to more options • Provides ongoing support at no extra cost

• Pay 100% of medical costs (higher out of pocket) • No cap on expenses (no maximum out-of-pocket protection) • Emergency care is very expensive (can be thousands+) • Higher prescription costs • Risk of medical debt • Delays in care → can lead to bigger health issues