FAQ
Insurance Questions? We Have Straight Answers.
Insurance is confusing — and that's by design. We're changing that. Here are honest, plain-English answers to the questions our clients ask most.
Questions you may be carrying.
If you were on your spouse's employer plan, coverage usually ends on the last day of the month your divorce is finalized — though many plans offer a short grace window. Either way, divorce qualifies you for a 60-day Special Enrollment Period on the ACA marketplace.
Most employer plans offer COBRA continuation for up to 36 months for surviving spouses, but at the full premium with no employer contribution. We compare COBRA to ACA plans side-by-side so you can see the real numbers.
Yes. Both divorce and the loss of a spouse are qualifying life events. You typically have 60 days from the event to enroll in an ACA plan outside of Open Enrollment.
Subsidies are calculated on the income you expect to earn this year — not last year. After a divorce or loss, your income often drops, which can mean significantly larger premium tax credits than before. We re-run the math with your projected new income.
Children can stay on either parent's plan after divorce, depending on the custody and insurance terms in your decree. If kids are on a late spouse's employer plan, they're also eligible for COBRA. CHIP and marketplace plans are often the most affordable option — we compare all three.
Yes — that's mostly what we do. A first call with us doesn't commit you to anything. We'll answer questions, point out the deadlines that actually matter, and send you a written summary so you can think it over without pressure.
By law, ACA-compliant plans cover mental health and substance use services at the same level as physical health — therapy, psychiatry, and treatment. Coverage details and in-network counselors vary by plan, so we cross-check before you enroll.
You can switch during Open Enrollment each year (Nov 1 – Jan 15) or any time you experience another qualifying event. We stay on the line through the policy year so you're not figuring this out twice.
No. Our advisors are paid by the insurance carriers when you enroll — never by you. The plan price is identical whether you enroll through us, through the marketplace directly, or through the carrier. The difference is whether you have someone to help you compare.
Longer than most insurance calls — by design. A first conversation is often 30–45 minutes. We don't rush you, and we don't pretend a complex decision can be made in five minutes.