What’s the best health insurance for families?

We compare plans with low copays, family deductibles, and pediatric benefits to help families find affordable, full-coverage options.

Can I keep my plan if I move to another state?

Most plans are state-specific. If you move, we help you find and enroll in a new plan in your new location to avoid coverage gaps.

What is the Federal Poverty Level (FPL) and why does it matter?

FPL determines eligibility for subsidies, Medicaid, or cost-sharing reductions. We help calculate where you fall during your quote.

Do you offer bilingual enrollment services?

Yes. We provide bilingual support in English and Spanish to help you fully understand and complete your application.

Are immunizations and child wellness visits covered?

Yes. ACA-compliant plans cover vaccines, well-child visits, and pediatric screenings at no cost.

What if I need surgery?

We help you choose plans that minimize your out-of-pocket surgery costs and include the right hospital and specialists.

Do plans cover mental health counseling?

Yes. Therapy, behavioral health, and substance use treatment are included as essential benefits in all ACA-compliant plans.

What is COBRA coverage?

COBRA allows you to keep your former employer’s insurance for up to 18 months, though it may be more costly than marketplace plans.

Can I get insurance between jobs?

Yes. We offer short-term plans, ACA plans via Special Enrollment, and Medicaid options to fill coverage gaps between jobs.

Do self-employed people get tax benefits for health insurance?

Yes. Health insurance premiums are often tax-deductible for the self-employed. We help you document and apply these savings.

What does an HSA-eligible plan mean?

An HSA-eligible plan is a high-deductible plan that lets you contribute tax-free funds to pay for medical expenses now or later.

What is an Explanation of Benefits (EOB)?

An EOB shows what your insurer paid, what you owe, and why. It's not a bill. We help you read and understand it.

Can my plan be canceled?

Yes. Missing payments or documentation can lead to cancellation. We help ensure you stay compliant and keep your coverage.

What’s the difference between PPO, HMO, and EPO?

PPOs allow out-of-network care; HMOs are low-cost but require referrals; EPOs are a middle ground. We help match you with the right one.

Are out-of-network services ever covered?

Yes, some plans reimburse part of the cost for out-of-network care. We help check and explain your out-of-network benefits.

Do plans include substance abuse treatment?

Yes. ACA plans must cover detox, rehab, and therapy for substance use disorders. We confirm coverage for the services you need.

Can I pay for my insurance with a Health Reimbursement Arrangement (HRA)?

If your employer offers an HRA, like an ICHRA or QSEHRA, we help you choose an eligible plan and use your benefits correctly.

How much does health insurance typically cost?

Health insurance costs depend on your income, age, and location. We provide personalized quotes with and without subsidies.

Can small businesses offer group health plans?

Yes. We help small businesses offer employee group plans and access tax credits if eligible.

What if my dependent turns 26?

When dependents turn 26, they qualify for a Special Enrollment Period. We help them transition to individual coverage.

FAQ 8 — Creative Health Solutions

We help families compare plans with low copays, family deductibles, pediatric coverage, and prescription options that fit all members’ needs.

In most cases, no. Plans are tied to state networks. We help you re-enroll in a new plan after you move to avoid gaps in coverage.

Your income relative to the FPL determines your eligibility for subsidies, Medicaid, or cost-sharing reductions. We calculate this for you during quotes.

Yes. We offer bilingual assistance in English and Spanish to help all clients understand coverage options and complete their applications correctly.

Yes. All ACA-compliant plans include preventive pediatric care, such as immunizations, developmental screenings, and well-child visits at no cost.

We help you choose plans that offer low out-of-pocket costs for surgery, including covered hospitals, specialists, and inpatient care.

Yes. Behavioral and mental health services, including therapy and substance abuse treatment, are covered as essential benefits.

COBRA allows you to temporarily keep your employer’s health plan after leaving a job, though it’s usually more expensive. We help compare alternatives.

Yes. You may qualify for short-term insurance, Medicaid, or ACA coverage through a Special Enrollment Period. We help bridge the gap.

Yes. Health insurance premiums for the self-employed are often tax-deductible. We help you understand how to maximize savings.

An HSA-eligible plan is a high-deductible health plan (HDHP) that lets you contribute to a Health Savings Account. Funds roll over and are tax-free when used for medical expenses.

An EOB is a statement from your insurer showing what they paid, what you owe, and why. It’s not a bill. We help you understand it line-by-line.

Yes, if you don’t pay premiums or provide required information. We help you maintain eligibility and avoid involuntary termination.

PPO: Flexible, out-of-network allowed
HMO: Lowest cost, referrals needed
EPO: No referrals, in-network only
We help match you to the best type.

Yes, some PPO and POS plans allow out-of-network coverage with higher cost-sharing. We clarify what’s reimbursed and what’s not.

Yes. All ACA plans include coverage for drug and alcohol treatment, including detox, rehab, and counseling services.

If your employer offers an ICHRA or QSEHRA, you may use it to pay premiums or out-of-pocket costs. We assist with plan selection that works with HRAs.

Costs vary based on age, location, income, family size, and type of plan. We provide free personalized quotes to show exact premiums and subsidies.

Yes. We help Florida-based small businesses set up group health insurance for employees, including tax-credit eligible options.

When a child turns 26, they lose dependent coverage and qualify for a Special Enrollment Period. We help them get their own individual plan.

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