Our team will work closely with you to understand your unique healthcare requirements, medical history and budget. Based on this information, we'll provide personalized recommendations and plan comparisons to help you select the most suitable coverage.

This depends on the plan you choose and whether your current doctor is in the plan's network. Our experts will guide you through the provider networks of various plans to ensure you can continue seeing your preferred healthcare professionals, if possible.

Our licensed agents will walk you through the entire enrollment process, ensuring a smooth and hassle-free experience. We'll assist you with completing the necessary paperwork and answer any questions you may have along the way.

HMO (Health Maintenance Organization) plans typically have lower out-of-pocket costs but require you to stay within a network of providers. PPO (Preferred Provider Organization) plans offer more flexibility by allowing out-of-network care but at a higher cost. EPO (Exclusive Provider Organization) plans fall between HMOs and PPOs, offering a more restricted network than PPOs but with lower costs.

Yes, under the Affordable Care Act, insurance companies cannot deny coverage or charge higher premiums based on pre-existing conditions. Our team will help you navigate the enrollment process and ensure you receive the coverage you need, regardless of any pre-existing medical conditions.