HealthPlan Navigator

2 THINGS YOU MUST KNOW for Marketplace open enrollment starting in 2 days:

1. If your income is under 400% of the FPL then you may receive some subsidy for a lower cost or free health plan on the ACA Marketplace.

2. If your income is higher than 400% of the FPL you will not receive any subsidy.

If your income is higher and are fairly healthy you may want to consider a private health insurance plan as ACA rates are significantly increasing for 2026. There has been a lot of positive evolvement in the private sector as well as new affordable major medical plans in 2025.

Whether it's best for you to go ACA or private, we can help you figure it out.

You can book a free call on the calendar here:
https://hpnavigator.com/calendar

Be sure to ask about the private Cigna major medical plan that’s blowing everything else out of the water!

Book an appointment! Book an appointment to explore your insurance options today!

🎄🎁 This time of year passes by so quickly! 🧭
We all have extra things to stress about.😟💼

Health insurance doesn’t need to be one of them.
Our expert HealthPlan Navigators 👨‍💻👩‍💻 are standing by to help take this stress off of your plate. 🍽️

We often help our clients find solutions that many didn’t even know existed 💡✨.

📅 Schedule a quick & free benefit analysis with one of our licensed navigators today! 📞📑🤓

💡 Smart Health Insurance Savings Strategy💡

• 🔍 Try a High-Deductible Plan — Save on monthly premiums!

• 🛡️ Add Hybrid Protection — Supplemental products to help cover emergency and illness costs.

• 🤝 No Need to Fear High Deductibles — Affordable supplements offer added security.

• 💸 Cheaper Than Top Low-Deductible Plans — An affordable, smart approach to get the strong coverage you need without breaking the bank!

A well rounded, cost-effective approach to health insurance.

Click the link to schedule a personal benefit analysis with a licensed HealthPlan Navigator.

Book an appointment! Book an appointment to explore your insurance options today!

🩺 Health Insurance 101: PPO vs. HMO vs. EPO! 🏥

Here’s a quick comparison:

🔹 PPO (Preferred Provider Organization)

Flexibility: No referrals needed or P*P required.
Higher Costs: Generally more expensive premiums but with larger network.
Out-of-Network: Coverage available, at a higher cost.

🔹 HMO (Health Maintenance Organization)

Cost-Effective: Lower premiums.
Network Restrictions: Must choose doctors and hospitals within the network.
Out-of-Network: Generally no coverage for going outside of network.

🔹 EPO (Exclusive Provider Organization)

Flexibility: Referrals not required, typically larger network than HMOs.
Midrange Costs: Premiums less than PPOs, but more than HMOs.
Out-of-Network: No coverage, except for emergencies.

💡 Pro Tip: Work with a licensed insurance professional to help you sift through the many options to find coverage suited for your needs.

Schedule a call with a HealthPlan Navigator here:
https://hpnavigator.com/calendar

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Hope everyone is having a safe Memorial Day. Remembering those that paid the price for our freedom.

May is Mental Health Awareness Month! Medicaid and CHIP cover important mental and behavioral health services like counseling and teletherapy for your children up to age 19. Connect to coverage today: https://go.hc.gov/44mSDZi