Questions & answers
Frequently asked questions
Everything you want to know about working with an independent licensed insurance agent — costs, enrollment, plans, and more.
Does it cost anything to work with you?+
No. Our help is completely free to you. Agents are compensated by the insurance carriers, and your premium is the same whether you enroll through us or on your own.
What types of plans do you offer?+
We help with individual plans, family plans, and small business coverage. We compare options from multiple top-rated carriers to find the best fit for your needs and budget.
Which states are you licensed in?+
We're licensed in 32 states, including: Arizona, Utah, Nevada, Montana, South Dakota, Nebraska, Colorado, Kansas, Oklahoma, Texas, Iowa, Missouri, Arkansas, Louisiana, Mississippi, Georgia, Florida, South Carolina, North Carolina, Virginia, Ohio, Maryland, Kentucky, Wisconsin, Tennessee, Delaware, Michigan, West Virginia, Illinois, Indiana, and Wyoming. Call us at 480-286-8463 and we'll confirm right away whether we can help in your state.
When can I enroll in a health plan?+
You can enroll during the annual Open Enrollment Period, or any time you qualify for a Special Enrollment Period — for example after losing other coverage, getting married, having a baby, or moving. Private insurance policies also allow you to enroll year round regardless of an open enrollment period. We'll help you figure out what you qualify for.
Can you help me understand subsidies and tax credits?+
Yes. We'll walk you through whether you qualify for premium tax credits or cost-sharing reductions and help you apply them so you don't overpay.
What if I already have a plan?+
We're happy to review your current coverage for free. Many people find they're paying too much or missing benefits — if your current plan is the best fit, we'll tell you that too.
Do you work with small businesses?+
Yes. We help small business owners set up coverage for themselves and their teams, compare group and individual options, and keep costs predictable.
How do I get started?+
The easiest way is to book a free consultation through our booking page, call 480-286-8463, or request a free quote on our home page. We typically respond the same day.
Still have questions?
Give us a call or book a free consultation — we're happy to walk you through anything.