Health
Insurance
PPO Plans
PPO plans give you the freedom to go in or out of network to get the care you need, which can be helpful if you work out of the area you live in and need healthcare regularly out-of-network.
HMO Plans
Save on healthcare when comparing with a PPO plan while gaining quality coverage when going to an in network provider. HMO plans require you choose a primary car physician and most require referals from your PCP to go to a specialist.
EPO Plans
EPOs can save you money while still providing full healthcare plan options, as long as you’re comfortable working with more limited provider networks.
IBX
Independence Blue Cross is a Philadelphia-based network that offers PPO, HMO and EPO plans. IBX offers the largest network of physicians and hospitals in Philadelphia and surrounding counties like Chester, Delaware, Montgomery and Bucks.
Jefferson Health
Jefferson Health Plans offer very affordable HMO health insurance plans in the Philadelphia and surrounding areas like Bucks County.
Oscar Health
Oscar Health plans offer affordable HMO plans in Pennsylvania, Illinois, New Jersey and Florida that are easy to sign up for below.
Delaware & Florida
Shop, compare and enroll in a variety of health plans from Oscar, UnitedHealthcare, Cigna and amBetter by clicking below.
FAQs
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ACA (Affordable Care Act) plans are comprehensive health insurance policies sold on the federal or state marketplace. They must cover 10 essential health benefits, offer free preventive care, and protect people with pre-existing conditions.
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Anyone who:
Lives in the U.S.
Is a lawful resident or U.S. citizen
Is not incarcerated
Is not enrolled in Medicare
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All ACA plans must cover:
Doctor visits & outpatient services
Emergency services
Hospitalization
Maternity and newborn care
Mental health & substance use treatment
Prescription drugs
Laboratory services
Preventive services
Pediatric services
Rehabilitative & habilitative services
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Yes, if the employer plan is too expensive or not comprehensive, you may still be eligible.
You may not qualify for ACA tax subsidies if your employer offers affodable, minimum-value coverage.
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No. We offer the same plans that you’ll find on state and federal health marketplaces, and we do not charge a broker fee to assist you.
Our Highmark plans off-exchange also offer platinum level plans, which are not available on current marketplace websites. Contact us or schedule a review to get pricing on platinum level PPO plans.
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No. We get paid a flat servicing commission directly from carriers, which means we do not charge a broker fee, and we do not make more money based on the cost of your health plan.
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Yes. If you have a current VA health plan, you can also enroll in an ACA plan, but no tax subsidies would be allowed if you keep the VA health plan in combination with your new ACA plan.
If you leave the VA health plan, then enroll in an ACA plan, you may then qualify for a tax subsidy if applicable based on income qualifications.
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We are certified in Pennsylvania, New Jersey, Delaware, Illinois and Florida.
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We work with Independence Blue Cross, Capital Blue Cross, Highmark, Oscar Health, amBetter, Jefferson Health, UPMC and Geisinger.
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Oscar, amBetter from Wellcare of New Jersey, AmeriHealth, Horizon Blue Cross Blue Shield of New Jersey and UnitedHealthcare.
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amBetter, Oscar Health, Cigna Healthcare of Illinois, Molina and UnitedHealthcare
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Highmark Blue Cross Blue Shield Delaware, AmeriHealth Caritas Next and amBetter Health of Delaware.
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Shop plans from Oscar Health, UnitedHealthcare, amBetter and Cigna.
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You can assign us as your broker on your state marketplace profile’s dashboard or call a representative at your state marketplace and ask them to assign us. This assignment costs nothing and can be assigned throughout the calendar year. Examples of state marketplaces are Pennie, GetCoveredNJ and GetCoveredIllinois.
We’re a certified Pennie health insurance broker. Simply assign us as your health broker through your Pennie profile or by calling Pennie to assign us.
Once we are assigned as your Pennie broker, we can review your information inside your profile, send you plan comparisons and summary of benefits details by email, and you can let us know what plan you’d like to sign up for. We enroll you and you make payment, and just like that, you’re signed up for healthcare!
We’re also a certified Get Covered NJ health insurance broker. Follow the same steps as we recommended for our Pennie customers, and in no time you’ll have the health plan you need.
Book An Appointment
Get in touch.
Send your requests and questions to us below.