Insurance Questions? We Have Straight Answers.

You generally have two paths: COBRA, which lets you keep your old employer plan if you pay the full premium plus an admin fee, or a marketplace individual plan priced against your new self-employed income. Leaving a job that provided coverage is a qualifying life event, so you have a 60-day Special Enrollment Period to choose either option without waiting for Open Enrollment.

It depends on your income and health needs. COBRA has no subsidy and often runs $500-$700+ a month. A marketplace plan is priced against your new self-employed income and often qualifies for real subsidies, which can make it noticeably cheaper. We'll run both numbers side by side so you can decide with real figures.

Often, yes. ACA premium tax credits are based on your projected self-employed income for the year, not your prior W-2 salary. Because income can be harder to predict in year one, we'll walk you through a reasonable estimate so your subsidy lines up with what you actually expect to earn.

Start with your expected net income after business expenses, not your gross revenue. If you're not sure yet, a conservative estimate based on your first few months or a comparable prior year is a reasonable starting point. Your agent can help you sanity-check the number and adjust it later if your income changes.

Start with your ZIP code and a rough income estimate. We'll pull every ACA plan available to you, calculate your likely subsidy, and walk you through your top options in plain English - no jargon, no pressure.

Health plans are state-based, so a move usually means switching plans - but the move itself triggers a Special Enrollment Period. Tell your agent your timing and new ZIP and we'll line up coverage that starts the day you arrive.

Honest answer: vision pays for itself the first time you replace glasses or contacts (so yes, if you wear them). Dental is worth it if you're due for cleanings or expect any work - one procedure without insurance can cost more than a year of premiums. Both are optional add-ons; we'll show you the math.

About 2 minutes to fill out our form, one short call (or text thread) with a licensed agent, and you're usually enrolled within 24-48 hours. Coverage typically starts the 1st of the following month.

Yes - completely. We're paid by the insurance carriers when you enroll, at the same rate no matter which plan you pick. You pay exactly the same as if you bought direct from the carrier, but you get a human agent for life.