Open enrollment is only for public market (ACA / Obamacare) government issued policies. Private coverage is available at any time.

Public rates are based on income. If your income is hard to predict or fluctuates, this may not be the best option for you. The more you make, the less savings you qualify for through the public market. At the same time, if you do not make enough for the entire year - you may be ineligible for savings through the public market. 

 
Private rates are health based. If you make a higher income, private may be a better options because rates are based on your age and health - not income. These rates are often fixed.

No fee! As an advisor I am here to show you the entire market and educate you on what’s available so you can make the best decision for you and your family.

Health insurance is not for every case - its for just in case. Most people don’t get covered to go to their routine doctor visits, but to protect them in their worst case scenarios.

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