Insurance questions, answered
A library of clear, honest answers to the questions our clients ask most. Written by licensed agents who actually sell these products in 40+ states. If you can’t find your answer here, call us at (855) 238-7947.
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Each topic includes 12-15 detailed FAQs answered by licensed agents.
Health Insurance
Health insurance through the ACA marketplace is available during Open Enrollment (November 1 to January 15 in most states) and through Speci…
Read 14 FAQs →Medicare
Medicare is federal health insurance for people 65 and older, certain younger people with disabilities, and people with End-Stage Renal Dise…
Read 14 FAQs →Life Insurance
Life insurance pays a tax-free death benefit to your beneficiaries when you die. Term life covers a fixed period (10-30 years) at the lowest…
Read 14 FAQs →Dental & Vision
Dental insurance typically covers preventive care at 100%, basic procedures at 70-80%, and major work at 50%, with an annual maximum benefit…
Read 12 FAQs →Supplemental Insurance
Supplemental insurance pays cash directly to you when a covered event happens — independent of what your major medical plan does. Common typ…
Read 12 FAQs →Group / Employer Health
Most employers can offer group health insurance with 2 or more eligible employees. Small group plans (under 50 FTEs) follow ACA small group …
Read 14 FAQs →Short-Term & Alternatives
Short-term medical insurance provides temporary coverage between major medical plans — typically 3 to 12 months depending on state rules. It…
Read 13 FAQs →Popular questions
A preview from our most-read categories.
When is Open Enrollment for ACA health insurance in 2026?
In most states, Open Enrollment for ACA marketplace coverage runs from November 1 through January 15 each year. Plans selected by December 15 typically start January 1; plans selected between December 16 and January 15 typically start February 1. Some state-based exchanges (Calif…
When am I eligible for Medicare?
Most people become eligible for Medicare the month they turn 65. You may also be eligible before 65 if you’ve received Social Security Disability Insurance for 24 months, or if you have End-Stage Renal Disease (ESRD) or ALS. You don’t need to be retired to enroll. If you’re alrea…
What’s the difference between term life and whole life insurance?
Term life covers you for a fixed period — typically 10, 15, 20, or 30 years. If you die during the term, your beneficiaries receive the death benefit; if you outlive the term, coverage ends with no payout. Premiums are low because most policies never pay out. Whole life (and othe…
How many employees do I need to offer group health insurance?
In most states, you need at least 2 eligible employees (sometimes the owner counts, sometimes not — varies by carrier and state). The maximum for “small group” status is 50 full-time-equivalent employees, after which ACA large group rules apply. Some states use different threshol…