Health Insurance Made Simple
Meet the experienced professionals dedicated to helping individuals and families find the right insurance coverage with confidence.
Types of insurance
Explore the most common insurance options, understand how they differ, and find the coverage that best fits your needs.
Your annual opportunity to choose coverage
OEP is the period beginning November 1 to December 15. Individuals can make changes or sign up for health insurance plans without needing a qualifying event!
Time-Limited
Common in Health Insurance and other benefit programs like Medicare and Employer-Sponsored plans.
Enroll in a new plan
Choose a health insurance plan that fits your healthcare needs.
Add dependents to plan
Add your spouse, children, or other eligible family members.
Adjust coverage options
Update your existing coverage to match your current needs.
Switch to a different plan
Change to a plan with better coverage, benefits, or costs.
Insurance terms, explained simply
Broker
Professionals that sell insurance and represent the insured.
Claim
A formal request made by a policyholder to an insurance company for compensation or coverage of a loss or damage that is covered under the terms of the insurance policy.
Co-insurance
The percentage of costs that an insured individual or entity is required to pay for covered services or expenses after the deductible has been met.
Deductible
The amount the policy owner owes before the policy pays.
HSA
HSA stands for Health Savings Account. An HSA is a tax-advantaged savings account designed for individuals covered under a high-deductible health plan (HDHP).
Network
The group of healthcare providers and facilities that have contracted with the insurance company to provide health care services.
Policy owner
The individual or entity that holds in the insurance policy and is responsible for paying the premiums. Typically, they're the one who pays the premium payments and holds sole authority to modify the policy.
Premium
The amount paid to an insurance carrier per month to maintain coverage.