Actually you can change your marketplace plan at anytime. We would shop options and get our approval before making the change in benefits. Then you can start saving and getting better benefits.

Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.

Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.

Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness

Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).

(Healthcare.gov 1/15/2024- Source)

Actually marketplace plans can cost 75% more for similar coverage elsewhere. So if you get $100 subsidy every month but your plans rate is $525 originally and we can replace your plan with a $179 a month plan that has no copays for services and doesn't have a $9100 deductible and 50% coinsurance

Most are very surprised. It may but lets actually open the plan details and compare your benefits. Most people are surprised to find they have to pay 50% of the bill even after paying s high deductible.

Actually, being enrolled in a subsidized plan disqualifies you from numerous savings on costly medications. Frequently, you can obtain more affordable and superior coverage outside the Marketplace. Consequently, you become eligible to receive those expensive medications at no cost or have them delivered for $100-400 annually.

Actually most people are surprised when we read the details. We have plans that offer 3k Max out of Pocket protection But marketplace after paying your High Deductible you could have a $2000 Emergency Room COPAY, $3,000 a per DAY COPAY or 50% Co-insurance

In those three years, you might lose eligibility for significantly improved coverage. Short-term plans won't be renewable after April 2024 due to alterations in insurance legislation.

We offer plans with a $2,500 deductible, a maximum out-of-pocket expense of $4,500, and first-dollar benefits that are guaranteed until the age of 65. Frequently, this PPO plan has a similar or lower premium cost.

(SOURCE)