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Why use an independent agent versus working directly with an insurance company? Why not buy online? Let me explain the benefits of working with an independent agent.

 

Help! How to cope with skyrocketing health insurance rates

If you have been following the news recently, you have probably heard that the prices of health insurance are increasing dramatically in Tennessee.  Recently, I watched a smiling anchor woman say something to this effect, “Bad news, Tennesseans, if you’re using Healthcare.gov for your health insurance… Rates will be dramaticallyRead More

Seth Godin helps me explain health insurance

This morning Seth Godin explained in few words what I have been trying to tell clients for years about health insurance. Often people hedge their bet against something bad happening; they are willing to spend more to cover the things they imagine might happen. But, this is a huge waste of money if they have a healthy year, sometimes a difference of hundreds of dollars a month.

What is a Special Enrollment Period?

Open Enrollment ended February 15th for ACA plans (Obamacare). What this means is that right now you can’t sign up for an individual health insurance plan until the next Open Enrollment period, which starts in November for coverage beginning in January. That is, unless you qualify for a Special Enrollment Period.