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Enrolling in health insurance can feel overwhelming, especially with so many plans, rules, and deadlines to consider. Whether it’s open enrollment or a special enrollment period, having the right guidance makes all the difference. Reach out to Jacolby and the Emmie Mae Team, who specialize in providing health insurance enrollment assistance to make the process simple and stress-free. This guide walks you through key steps and provides expert tips to help you secure the right coverage for your needs. Why Health Insurance Enrollment Matters Enrolling in health insurance ensures you’re protected from unexpected medical expenses while giving you access to essential health services, such as: Preventive care (e.g., vaccines, checkups) Emergency services Prescription drugs Missing the enrollment window could leave you without coverage, leading to high out-of-pocket costs or delayed care. If you need help navigating your options, health insurance enrollment assistance is available through Jacolby and the Emmie Mae Team. When to Enroll in Health Insurance There are three main opportunities to enroll: 1. Open Enrollment Period (OEP) The annual window to enroll in or switch health insurance plans. Typically runs from November to mid-January for ACA Marketplace plans. 2. Special Enrollment Period (SEP) Available if you experience a qualifying life event like: Marriage or divorce Having a baby Moving to a new area Losing other health coverage If you qualify for an SEP, you generally have 60 days to enroll in a new plan. 3. Private Options Are Available Year-Round Unlike ACA Marketplace plans, private health insurance can be purchased anytime during the year. Many private plans require you to meet certain health qualifications to enroll. These plans often offer more flexibility in terms of coverage and networks, making them a great choice for individuals or families seeking year-round options. Tip: Contact Jacolby and the Emmie Mae Team for expert health insurance enrollment assistance to explore your private plan options. Steps for Stress-Free Health Insurance Enrollment 1. Understand Your Coverage Needs Think about your health history and priorities, such as: Do you need regular specialist visits? Are prescription medications a key concern? Do you anticipate major life changes, like starting a family? 2. Gather the Necessary Information Before starting your application, have the following ready: Proof of income (e.g., tax returns or pay stubs) Social Security numbers for all household members Details of your current health coverage (if applicable) 3. Explore Your Options With so many plans available, comparing options is essential. Look for: Premiums: Monthly cost of the plan Deductibles: What you pay before the insurance kicks in Network: Check if your preferred doctors and hospitals are in-network Tip: Reach out to Jacolby and the Emmie Mae Team to guide you through the details and help you weigh the pros and cons of each plan. 4. Don’t Forget About Subsidies If you qualify for ACA subsidies, they can significantly reduce your premium or out-of-pocket costs. Use tools like the Marketplace calculator or consult with Jacolby for accurate estimates. 5. Submit Your Application Early Avoid the stress of last-minute submissions by applying early in the enrollment window. This ensures you have time to review and address any issues. Common Mistakes to Avoid During Enrollment Underestimating Income Be as accurate as possible when estimating your income to avoid subsidy repayment surprises. Skipping Plan Details Don’t focus solely on premiums—compare deductibles, copays, and network coverage to ensure the plan meets your needs. Missing Deadlines Mark key dates for open enrollment and SEPs to avoid gaps in coverage. How Emmie Mae Health Advisors Can Help Health insurance enrollment doesn’t have to be complicated. At Emmie Mae Health Advisors, Jacolby offers: Personalized Guidance: We take the time to understand your unique situation. Simplified Enrollment: From gathering documents to submitting applications, we handle the heavy lifting. Ongoing Support: Need help with claims or plan renewals? Jacolby and the Emmie Mae Team are here for you year-round. Real-Life Success Story When Amanda, a young professional in Scottsdale, lost her job and health coverage, she was overwhelmed by the enrollment process. She reached out to Jacolby, who: Explained her SEP eligibility. Helped her find a budget-friendly plan that included her preferred doctors. Walked her through the application step by step. Amanda now feels confident in her coverage and knows she has a trusted advisor for future needs. FAQs About Health Insurance Enrollment 1. What happens if I miss open enrollment? You can only enroll if you qualify for a Special Enrollment Period, Medicaid, or another government program. However, you can enroll in private health insurance anytime if you meet the health qualification requirements. 2. Can I update my income after enrolling? Yes! Update your income in the Marketplace to adjust your subsidy and avoid overpayments or repayment obligations. 3. Do I need to enroll every year? Not necessarily. If you’re happy with your current plan and it’s still available, it may renew automatically. However, reviewing your options annually is always a good idea. Let’s Make Enrollment Easy Ready to enroll in health insurance? Don’t stress about navigating the process alone. At Emmie Mae Health Advisors, Jacolby and the Emmie Mae Team are here to simplify enrollment and help you find the perfect plan. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Introduction  Health insurance subsidies, also known as Advanced Premium Tax Credits (APTC), help lower your monthly premiums when purchasing coverage through the Health Insurance Marketplace. However, if you earn more than you estimated by the end of the year, you may need to repay part or all of the subsidy during tax season. Get ready to take a deep dive into health insurance subsidy repayment. In this article, we’ll break down: Why reconciliation happens What repayment looks like Steps to avoid large repayments Answers to common questions How Health Insurance Subsidies Work When applying for health insurance through the ACA Marketplace: Your subsidy (APTC) is based on your estimated income for the year. At tax time, your actual income is used to determine if you received the correct subsidy. If you earned more than expected, you’ll need to reconcile the difference on your tax return using IRS Form 8962. What Happens If You Earn More Than Expected? If your income exceeds your original estimate: Reconciliation: At tax time, the subsidy you received is compared to the amount you were actually eligible for. Repayment: You will need to pay back part or all of the subsidy, depending on your income level. Repayment Rules Based on Income If Your Income Is Below 400% of the Federal Poverty Level (FPL): Health insurance subsidy repayment caps apply, limiting the amount you owe. The cap depends on your income level and household size. If Your Income Exceeds 400% of the FPL: You’ll need to repay the entire subsidy received during the year. There are no repayment caps for individuals earning above 400% FPL. How to Avoid Large Subsidy Repayments To avoid surprises during tax season, follow these steps: 1. Update Your Income Estimate Promptly If you get a raise, start a new job, or earn more than expected, update your income with the Marketplace immediately. 2. Opt for Partial Subsidies Instead of receiving the full subsidy upfront, choose to receive a partial subsidy and claim the rest as a tax credit when you file your taxes. 3. Monitor Your Income Regularly Keep track of income changes, such as: Job promotions Side income or freelance earnings Bonuses 4. Keep Records Save any income-related documents, including: Pay stubs Job offer letters Tax filings 5. Consult a Tax Professional A tax professional can help you understand how to reconcile your subsidy and avoid unexpected repayments. Example Situation of Health Insurance Subsidy Repayment Let’s say a family of three estimated their income at $40,000 (200% of the Federal Poverty Level): They qualified for a large subsidy. By the end of the year, their actual income was $60,000 (300% of the FPL). Result: At 300% of FPL, the family is eligible for a smaller subsidy. They must repay the difference between the subsidy they received and what they actually qualified for, subject to the repayment cap. FAQs: Health Insurance Subsidy Repayments 1. What happens if I can’t afford to repay the subsidy? If you’re experiencing financial hardship, the IRS may offer repayment waivers in rare cases. Contact a tax professional for guidance. 2. How often should I update my income in the Marketplace? You should update your income as soon as you experience changes, such as a new job, a raise, or freelance income. 3. Can I avoid repayment altogether? Yes. You can choose to take a smaller subsidy upfront and claim the remaining amount as a tax credit at the end of the year. 4. Are there caps on how much I repay? Yes, if your income stays below 400% of the Federal Poverty Level. If you exceed that threshold, there are no repayment caps. Final Tips to Stay on Track To ensure you’re aligned with your subsidy: Monitor your income regularly. Report changes promptly to the Marketplace. Work with a tax professional to minimize repayment liability. By staying proactive, you can avoid surprises and keep your health insurance affordable. Get Expert Help with Health Insurance Subsidies Managing health insurance subsidies can be confusing, but you don’t have to do it alone. At Emmie Mae Health Advisors, we specialize in helping individuals and families navigate the Marketplace and understand their options. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Introduction Health insurance is full of complex terms that can be confusing, especially for first-time buyers or those trying to compare plans. Understanding these key terms can empower you to make informed decisions, save money, and choose the right coverage for your needs. This comprehensive glossary covers the most important health insurance terms—from A to Z—to help you navigate your health insurance journey with confidence. Need more personalized advice? Contact the Emmie Mae Team, licensed health insurance advisors, to simplify the process and find the right plan for you. A Comprehensive Glossary of Health Insurance Terms (A-Z) A Affordable Care Act (ACA) Federal legislation designed to increase access to affordable health insurance, offering subsidies for lower-income individuals and setting coverage requirements. Annual Limit The maximum amount your health plan will pay for covered services in a year. ACA-compliant plans no longer have annual limits on essential health benefits. B Balance Billing When a provider bills you for the difference between their charge and what your insurance pays. This typically occurs when using out-of-network providers. Beneficiary The person eligible to receive health benefits under your insurance policy, such as a spouse or child. C Copayment (Copay) A fixed amount you pay for a covered service, such as $30 for a doctor visit, due at the time of the service. Coinsurance The percentage of costs you pay for covered services after meeting your deductible. For example, if your coinsurance is 20% and your bill is $1,000, you pay $200. Coverage Year The 12-month period during which your health plan is active, often aligning with the calendar year. D Deductible The amount you must pay out-of-pocket for covered services before your insurance plan starts to pay. Dependent A family member (such as a child or spouse) covered under your health insurance plan. E Essential Health Benefits (EHBs) A set of 10 healthcare services, such as maternity care, preventive care, and mental health services, that all ACA-compliant plans must cover. Explanation of Benefits (EOB) A document from your insurer detailing what services were covered, how much was paid, and any balance you owe. F Flexible Spending Account (FSA) A pre-tax account used to pay for eligible medical expenses, such as co-pays or prescriptions. Unused funds typically do not roll over into the next year. Formulary A list of prescription drugs covered by your health insurance plan, often organized into cost tiers. H Health Maintenance Organization (HMO) A plan that requires members to use in-network providers and get referrals from a primary care doctor to see specialists. HMOs generally have lower premiums but less flexibility. Health Savings Account (HSA) A tax-advantaged savings account available with high-deductible health plans (HDHPs) to pay for medical expenses. Funds roll over year to year. I In-Network Provider A healthcare provider contracted with your insurance company to offer services at discounted rates. Individual Health Plan Health care coverage purchased for one person, without dependents, also known as individual coverage. Inpatient Services Services provided when you’re registered as a patient in a hospital or healthcare facility. L Lifetime Limit The maximum amount an insurance plan will pay for covered services over your lifetime. ACA-compliant plans no longer impose lifetime limits. M Medicaid A federal and state program offering free or low-cost health insurance for eligible low-income individuals and families. Medicare A federal health insurance program for people aged 65 or older and some younger individuals with disabilities. N Network The group of doctors, hospitals, and other healthcare providers that your insurance company has contracted with to provide services at reduced costs. O Out-of-Pocket Maximum The most you’ll pay for covered services in a plan year. Once you reach this limit, your insurance pays 100% of eligible expenses. Open Enrollment Period The designated time of year when individuals can sign up for, renew, or change their health insurance plans. P Premium The monthly payment you make to maintain your health insurance coverage. Preferred Provider Organization (PPO) A type of health plan offering a wider network of providers, allowing you to see any doctor or specialist without needing a referral. PPOs also cover out-of-network services, though at a higher cost. T Telehealth Remote healthcare services provided via phone or video call, often covered by most insurance plans. Tiered Network A health plan structure grouping providers into tiers based on cost and quality. Lower-tier providers typically cost less. Why Understanding These Terms is Essential “Knowing these terms isn’t just about being informed—it’s about empowering yourself to make smarter, more cost-effective health insurance decisions,” says Jacolby “Jay” Gilliam, a licensed health insurance advisor. How to Use This Glossary Bookmark this page for future reference. Share it with friends or family who need help understanding health insurance. Contact Jay and the Emmie Mae Team for personalized guidance and support. Get Expert Help with Your Health Insurance Understanding health insurance terms is a great first step, but having an expert by your side makes it even easier. At Emmie Mae Health Advisors, we specialize in simplifying the process and finding plans tailored to your needs. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here Note: This health insurance terms glossary is for informational purposes only and may not encompass all health insurance terms. For specific plan details, consult your policy documents or contact your insurance provider.

Introduction Open enrollment is a critical time to secure health insurance, but life doesn’t always wait for designated enrollment dates. If you’ve missed the open enrollment period, you might feel like your options are limited. The good news is there are still ways to get health coverage outside open enrollment. At Emmie Mae Health Advisors, we specialize in helping individuals, families, and small business owners navigate their health insurance options year-round. If you’re feeling overwhelmed or unsure of where to start, don’t worry—Jacolby Gilliam and the Emmie Mae Team are here to help you every step of the way. What is Open Enrollment and Why Does It Matter? Open enrollment is the annual window when you can sign up for or change your health insurance plan. For many people, this is the primary opportunity to secure coverage for the upcoming year. Missing this window can leave you without insurance, which can be financially and medically risky. However, life doesn’t always fit neatly into the open enrollment timeline. If you need health insurance outside this period, there are several pathways to get coverage. How to Get Health Coverage Outside Open Enrollment 1. Special Enrollment Period (SEP) Certain life events, called qualifying life events, trigger a special enrollment period that allows you to sign up for health insurance outside the standard timeframe. Common Qualifying Life Events Include: Marriage or Divorce: A significant change in household size. Having a Baby or Adopting a Child: Expanding your family qualifies you for SEP. Losing Other Coverage: Losing employer coverage or aging out of your parent’s plan at 26. Relocating: Moving to a new coverage area. You typically have a 60-day window from the date of the qualifying event to enroll in a new plan. Pro Tip: If you think you qualify for SEP but aren’t sure how to proceed, reach out to Jacolby “Jay” Gilliam and the Emmie Mae Team for expert guidance. 2. Medicaid or CHIP For individuals and families with limited income, Medicaid and the Children’s Health Insurance Program (CHIP) offer year-round enrollment. Medicaid: Provides comprehensive coverage, including preventive care, hospital services, and prescriptions. CHIP: Offers affordable health insurance for children in families that don’t qualify for Medicaid but need assistance. Eligibility depends on income and household size, and Jay and the Emmie Mae Team can help you determine if you qualify. 3. Short-Term Health Insurance Plans Short-term health insurance is designed to fill coverage gaps for those who don’t qualify for SEP or Medicaid. Benefits of Short-Term Plans: Affordable Premiums: Lower costs compared to ACA plans. Fast Approval: Coverage can start within days of application. Flexible Terms: Plans are typically available for 1–12 months. Drawbacks: These plans don’t cover pre-existing conditions and may lack comprehensive benefits, so they’re best used as temporary solutions. CTA: Need coverage quickly? Contact Jay and the Emmie Mae Team to explore short-term plan options. 4. Private Health Insurance Plans Private health insurance plans are available year-round and offer flexibility not always found in ACA plans. Why Consider Private Insurance? Nationwide PPO Networks: Ideal for those who travel frequently. Customizable Coverage: Add dental, vision, or mental health benefits. More Plan Options: Tailor coverage to fit your unique needs. CTA: Explore your private insurance options with Jay and the Emmie Mae Team today. Why Work with a Health Insurance Advisor? Navigating health insurance outside open enrollment can be confusing, but Jay and the Emmie Mae Team make it easy. Here’s how we can help: Expert Guidance: We understand the complexities of health insurance and can help you find the right coverage. Wide Range of Options: Access to ACA plans, short-term insurance, private health plans, and more. Personalized Service: We take the time to understand your needs and recommend plans that fit your lifestyle and budget. CTA: Ready to get started? Contact Jay and the Emmie Mae Team today to explore your health coverage options. Common Mistakes to Avoid When securing health insurance outside open enrollment, avoid these pitfalls: Waiting Too Long: If you qualify for SEP, act quickly to enroll within the 60-day window. Assuming You’re Out of Options: There are always pathways to coverage, even if you miss open enrollment. Skipping Expert Advice: A licensed advisor can save you time, stress, and money by finding the right plan for you. FAQs About Health Coverage Outside Open Enrollment Can I get health insurance if I missed open enrollment? Yes, through special enrollment, Medicaid, short-term insurance, or private plans. What qualifies as a life event for SEP? Marriage, divorce, having a baby, losing other coverage, or moving to a new area. Are short-term health plans worth it? They’re a good temporary solution but may not provide comprehensive benefits. Conclusion Missing open enrollment doesn’t mean you’re out of options for health insurance. With solutions like special enrollment periods, Medicaid, short-term plans, and private insurance, you can still find coverage that fits your needs. At Emmie Mae Health Advisors, we’re here to guide you every step of the way. Don’t wait—reach out to Jacolby “Jay” Gilliam and the Emmie Mae Team today for expert advice and support in finding the right plan. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Calendly Link Get your personalized quote here

Health insurance can feel like a major expense, but the Affordable Care Act (ACA) provides financial assistance to help make coverage more affordable. Known as ACA subsidies, these programs are designed to reduce costs for eligible individuals and families. If you’re an Arizona resident wondering how to save on health insurance, you’re in the right place. Jacolby “Jay” Gilliam and the Emmie Mae Health Advisors Team, licensed health insurance advisors, specialize in helping Arizonans navigate the complexities of ACA subsidies. Whether you’re new to the ACA or just want to maximize your benefits, we’re here to guide you every step of the way. What are ACA Subsidies? a. Definition and Purpose ACA subsidies are financial assistance programs that make health insurance more affordable for eligible Americans. These subsidies come in two primary forms: Premium Tax Credits: Lower the cost of your monthly health insurance premiums. Cost-Sharing Reductions (CSRs): Reduce your out-of-pocket costs, including deductibles, copayments, and coinsurance. These subsidies are designed to ensure that everyone—regardless of income—has access to quality healthcare. Who is Eligible for ACA Subsidies in Arizona? a. Income Requirements Your eligibility for ACA subsidies is based on your income as a percentage of the Federal Poverty Level (FPL): 100% to 400% of the FPL: Most individuals and families within this range qualify for premium tax credits. Above 400% of the FPL: Recent changes through the American Rescue Plan have expanded subsidies, so even higher-income earners may qualify for reduced premiums. b. Household Size The size of your household also plays a significant role. For example: A single individual earning $30,000 a year in Arizona will likely qualify for a premium tax credit. A family of four earning $60,000 can benefit from both premium tax credits and cost-sharing reductions. c. Other Eligibility Criteria To qualify, you must: Live in the U.S. and be a legal resident. Not have access to affordable coverage through an employer. Enroll in a health plan through the ACA marketplace. How to Calculate Your ACA Subsidy Determining the amount of your subsidy depends on several factors, including your income, household size, and location. a. Online Tools Use tools like the Healthcare.gov calculator to get an estimate of your premium tax credit. b. Example Calculation Let’s consider an Arizona family of four with an annual income of $50,000: Monthly Premium: $1,200 for a Silver plan. Tax Credit: $800/month. Out-of-Pocket Premium: $400/month after the subsidy. CTA: “Not sure how much you qualify for? Let Jay and the Emmie Mae Team calculate your subsidy and find the right plan for you.” Benefits of ACA Subsidies in Arizona Lower Monthly Premiums: Many plans become affordable with premium tax credits. Comprehensive Coverage: All ACA plans include essential health benefits like preventive care, prescription drugs, and hospital visits. Reduced Out-of-Pocket Costs: Cost-sharing reductions make healthcare more accessible, especially for lower-income families. How to Enroll in an ACA Plan with Subsidies a. Enrollment Periods Open Enrollment: Typically runs from November through mid-January. Special Enrollment Periods (SEP): Available if you experience qualifying life events such as marriage, childbirth, or loss of other health coverage. b. Steps to Enroll Visit Healthcare.gov or work with a licensed health insurance advisor like Jay Gilliam. Enter your income and household details to check eligibility. Compare available plans and enroll in the one that best fits your needs. CTA: “Need assistance with enrollment? Schedule a consultation with the Emmie Mae Team today.” Common Mistakes to Avoid Skipping Income Updates: Not reporting changes in your income could lead to overpayment or underpayment of subsidies. Choosing the Wrong Plan Tier: Cost-sharing reductions are only available with Silver plans, so selecting another tier may increase your costs. Delaying Enrollment: Missing enrollment deadlines could leave you without coverage. Real-Life Success Story: How ACA Subsidies Helped an Arizona Family When Sarah, a single mother of two in Tucson, lost her job, she worried about losing her health insurance. After reaching out to Jay and the Emmie Mae Team, she discovered she qualified for both premium tax credits and cost-sharing reductions. Here’s how Sarah’s costs broke down: Full Premium: $1,000/month. Tax Credit: $750/month. Out-of-Pocket Premium: $250/month. Cost-Sharing Reduction: Lowered her deductible and copayments by 50%. Today, Sarah has peace of mind knowing she and her kids are covered. FAQs About ACA Subsidies in Arizona 1. Can I qualify for subsidies if I’m self-employed? Yes, as long as your income meets eligibility requirements. 2. Do I need to reapply for subsidies each year? Yes, it’s important to update your income and household information annually. 3. What happens if my income changes mid-year? Report changes as soon as possible to adjust your subsidy amount. Conclusion ACA subsidies are a valuable tool for lowering your health insurance costs in Arizona. Whether you’re navigating the marketplace for the first time or trying to maximize your savings, Jacolby and the Emmie Mae Team can help. With personalized guidance and expert support, you’ll find the coverage that fits your needs and budget. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Introduction As a small business owner, you wear many hats—from managing operations to ensuring your employees are happy and productive. One of the best ways to attract and retain top talent is by offering health insurance, but navigating the complexities of health plans can be overwhelming. That’s where health insurance brokers come in. Jacolby “Jay” Gilliam and the Emmie Mae Health Advisors team specialize in helping small business owners find affordable and tailored health insurance solutions. With their expertise, you can save time, reduce costs, and provide the benefits your employees need. The Benefits of Offering Health Insurance as a Small Business Owner Attracting and Retaining Top Talent Today’s employees expect health insurance benefits. Offering a robust health plan can make your business stand out, attracting skilled professionals and keeping your current team happy. “Providing health insurance isn’t just about compliance—it’s about creating a workplace that people want to be part of,” says Jay Gilliam, founder of Emmie Mae Health Advisors. Tax Benefits and Incentives Offering health insurance can also be financially beneficial. Small business owners may qualify for tax deductions and credits, such as the Small Business Health Care Tax Credit, which can offset the cost of premiums. Jacolby and his team help small business owners navigate these opportunities, ensuring they maximize savings while offering competitive benefits. Why Work With Health Insurance Brokers for Small Business Owners? Expertise and Market Knowledge The health insurance market is complex, with countless plans, providers, and regulations to consider. Brokers like Jay bring years of experience to the table, helping you identify the best options for your business and employees. Access to Group Plans Small business owners often struggle to find affordable group plans on their own. Jay and his team have access to a variety of group insurance options, ensuring you get a plan that fits your budget and provides comprehensive coverage for your employees. “Group plans are often the most cost-effective way to provide quality benefits,” says Jay. “We make it easy to find one that works for your business.” Time and Stress Savings Sorting through insurance plans, handling enrollment paperwork, and managing renewals can take valuable time away from running your business. By working with a broker, you offload these tasks to an expert. “Our goal is to simplify the process for business owners so they can focus on what they do best,” says Jacolby Gilliam. Cost Efficiency Health insurance brokers negotiate with insurers on your behalf, ensuring you get the most value for your money. Jacolby “Jay” Gilliam emphasizes that brokers can often secure better rates and benefits than business owners can achieve on their own. How to Choose the Right Health Insurance Broker Experience Look for a broker with a proven track record in helping small businesses. Jay Gilliam and his team have extensive experience serving small business owners across Arizona, Texas, Utah, and Oklahoma. Transparent and Unbiased Advice Work with a broker who prioritizes your needs over specific providers. Jay and the Emmie Mae Team pride themselves on offering transparent, unbiased advice. Ongoing Support Health insurance isn’t a one-and-done process. From managing claims to navigating renewals, brokers like Jacolby Gilliam offer year-round support to ensure your plan continues to meet your needs. Real-Life Success Story: A Small Business Owner’s Experience Sarah, a small business owner in Phoenix, wanted to offer health insurance to her employees but was overwhelmed by the options and costs. She reached out to Jay and the Emmie Mae Team, who: Identified a group plan that fit her budget. Simplified the enrollment process for her employees. Provided ongoing support to manage claims and renewals. “Working with Jay was a game-changer,” Sarah says. “He made the process easy, and now my team is happier and healthier.” FAQs About Health insurance brokers for small business owners 1. How do brokers save small business owners money? Brokers like Jacolby Gilliam compare multiple providers to find cost-effective plans tailored to your needs. 2. Do I need a certain number of employees to work with a broker? No, brokers can help businesses of all sizes. Whether you have 2 employees or 20, Jay can find a plan for you. 3. Is there a fee for using a broker? Most brokers are compensated by insurance providers, so their services are free for small business owners. Conclusion Offering health insurance is one of the best ways to support your employees and grow your business, but finding the right plan can be daunting. By working with a trusted health insurance broker like Jacolby “Jay” Gilliam and the Emmie Mae Team, you can simplify the process, save money, and provide quality coverage for your team. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

Turning 26 is an exciting milestone—but it can also bring a major change to your health insurance. For many, turning 26 means losing coverage under a parent’s plan. If you’re navigating this transition, understanding your options is key to avoiding a gap in coverage. At Emmie Mae Health Advisors, we’re here to make this process simple. Whether you’re exploring employer-based insurance, private plans, or the ACA Marketplace, we’ll help you find the best fit for your needs. 1. What Happens to Your Health Insurance When You Turn 26? When you turn 26, the Affordable Care Act (ACA) requires that your parent’s health insurance stop covering you. While the exact timing depends on your parent’s plan, many plans end coverage at the end of the month following your 26th birthday. Employer-Sponsored Plans: Coverage through a parent’s workplace typically ends at the end of the month you turn 26. Marketplace or Private Plans: Coverage might last until the policy’s renewal date. Pro Tip: Check with the insurer to confirm when your coverage will end so you can plan accordingly. 2. Health Insurance Options for 26-Year-Olds When you lose coverage under your parent’s plan, you have several options: 1. Employer-Sponsored Health Insurance If you’re employed full-time, your employer may offer a health insurance plan. Employer-sponsored plans are often a convenient and affordable option, as companies typically cover a portion of the premiums. Enrollment Period: Losing your parent’s coverage qualifies you for a special enrollment period, allowing you to sign up outside of your employer’s open enrollment period. 2. ACA Marketplace Plans The ACA Marketplace offers a range of health insurance plans with varying levels of coverage and cost: Subsidies: Depending on your income, you may qualify for premium tax credits to reduce the cost. Comprehensive Coverage: All ACA plans include essential benefits, like preventive care, prescription drugs, and emergency services. Pro Tip: If you’re not eligible for employer coverage, an ACA Marketplace plan is a great option. Contact us for help enrolling. 3. Private Health Insurance Plans Private plans offer more flexibility and customization than ACA plans: Nationwide PPO Networks: Ideal for those who travel or want more provider options. Customizable Coverage: Add-ons like dental, vision, or mental health benefits. 4. Medicaid If you’re earning a low income, you may qualify for Medicaid. Eligibility requirements vary by state, so check your state’s program for details. 5. Short-Term Health Insurance For temporary coverage, short-term health plans offer: Lower Premiums: Affordable options for transitional periods. Quick Enrollment: Coverage can start in just a few days. 3. Key Factors to Consider When Choosing Health Insurance Choosing the right health insurance plan depends on several factors: Your Budget: Balance premiums, deductibles, and out-of-pocket costs. Coverage Needs: Consider benefits like preventive care, prescriptions, and mental health services. Provider Networks: Ensure your preferred doctors and hospitals are included in the plan’s network. Flexibility: If you move frequently, prioritize plans with nationwide access.  Not sure where to start? Let us help you compare your options. 4. How to Avoid a Coverage Gap When Turning 26 To avoid a gap in health insurance: Start Early: Begin researching your options 2–3 months before your coverage ends. Take Advantage of Special Enrollment: Losing coverage qualifies you for a 60-day special enrollment period to sign up for a new plan. Seek Expert Guidance: A licensed advisor can help you find the right plan quickly and easily. Ready to secure your coverage? Call or text us at 602-662-9988 or get your personalized quote here. 5. Why Emmie Mae Health Advisors is the Right Partner for You Navigating health insurance on your own can be confusing, but you don’t have to do it alone. Here’s why 26-year-olds trust Emmie Mae Health Advisors: Personalized Advice: We tailor recommendations based on your budget, lifestyle, and health needs. Wide Range of Options: From ACA plans to private insurance, we’ll help you compare and choose. Ongoing Support: We’re here year-round to assist with claims, renewals, and plan adjustments. Let us make this transition stress-free. Schedule a consultation today. Conclusion Turning 26 doesn’t have to mean stress about health insurance. With the right plan, you can maintain coverage that fits your needs and budget. Whether you’re exploring employer-sponsored options, ACA plans, or private insurance, Emmie Mae Health Advisors is here to guide you every step of the way. Don’t wait—take control of your health insurance today. Call or text: 602-662-9988 Email: [email protected] Get your personalized quote here

As a travel nurse, your job takes you across the country, helping patients in diverse settings. But your mobile lifestyle comes with unique challenges—especially when it comes to health insurance. Standard plans often don’t account for the flexibility you need, leaving gaps in coverage or limited access to providers. At Emmie Mae Health Advisors, we specialize in helping travel nurses secure the right health insurance. Whether you need comprehensive private coverage, an ACA plan, or short-term options, we can help you find the perfect fit. Get a personalized quote today. 1. Why Health Insurance Matters for Travel Nurses Health insurance isn’t just an option—it’s essential for travel nurses. Here’s why: Nationwide Coverage: As you work across state lines, you need a plan that provides seamless coverage wherever you go. Emergency Protection: Accidents or illnesses can happen anytime. A good health insurance plan prevents financial strain during medical emergencies. Employer Coverage May Not Be Enough: While some travel nurse contracts offer insurance, these plans may not meet your specific needs or extend between assignments. Need better coverage? Get your free quote now. 2. The Best Health Insurance Options for Travel Nurses As a travel nurse, you have several options for health insurance. Each has its benefits depending on your situation: Private Health Insurance Private plans are a popular choice for travel nurses due to their flexibility and comprehensive benefits: Nationwide PPO Networks: Access providers across the U.S. without restrictions. Customizable Coverage: Add dental, vision, or mental health benefits to meet your specific needs. ACA Marketplace Plans Affordable Care Act (ACA) plans are great for nurses with varying income levels: Subsidies for Lower Costs: Based on income, you may qualify for significant premium reductions. Comprehensive Coverage: Includes essential benefits like preventive care, hospital stays, and prescriptions. Short-Term Health Insurance Ideal for gaps between assignments, short-term plans provide temporary protection: Quick Enrollment: Get coverage in just days. Lower Premiums: Affordable rates for limited-term coverage. Not sure which option is best for you? Let us help you decide. 3. What to Look for in a Health Insurance Plan When choosing health insurance as a travel nurse, keep these factors in mind: Nationwide Provider Access: Ensure your plan includes providers in all states where you work. Flexibility: Your lifestyle demands a plan that adapts to frequent moves and changing assignments. Cost Balance: Look for plans with manageable premiums, deductibles, and out-of-pocket costs. Comprehensive Benefits: Consider plans that include dental, vision, mental health, and telehealth options. At Emmie Mae Health Advisors, we’ll evaluate your needs to find the right balance of coverage and affordability. 4. Why Travel Nurses Choose Emmie Mae Health Advisors We understand the unique challenges travel nurses face, which is why we’re committed to helping you secure the best health insurance. Here’s why travel nurses trust us: Tailored Recommendations: We focus on your specific lifestyle, ensuring you get the coverage you need. No-Pressure Guidance: We provide clear, unbiased advice without pushing specific plans. Year-Round Support: From enrollment to claims assistance, we’re here for you every step of the way. Call to Action: Let us simplify your health insurance journey. Get started today. 5. How Emmie Mae Helped Sarah, a Travel Nurse Sarah’s Story: Sarah, a travel nurse based in Arizona, struggled with her employer-provided health insurance. She wanted coverage that worked across multiple states and included dental and vision benefits. After contacting Emmie Mae Health Advisors, we helped her secure a private PPO plan that: Offered nationwide access to providers. Included comprehensive benefits, including dental and vision. Fit her budget with affordable premiums. Now, Sarah works with confidence, knowing her health insurance moves with her. Ready to find your perfect plan? Get your personalized quote today. Conclusion Your career as a travel nurse is demanding, and your health insurance should keep up with your lifestyle. At Emmie Mae Health Advisors, we specialize in helping travel nurses find flexible, affordable health insurance plans that provide peace of mind wherever their assignments take them. Don’t let health insurance add stress to your journey. Let us guide you to the perfect plan. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Calendly Get your personalized quote here

Introduction As a commercial driver, your lifestyle is unique—and so are your health insurance needs. Constantly on the road, crossing state lines, and managing long hours, you need a health insurance plan that works everywhere you go. A nationwide plan with flexibility, affordability, and comprehensive coverage is essential for protecting both your health and wallet. At Emmie Mae Health Advisors, we specialize in nationwide health insurance for truck drivers, offering private market solutions designed to meet your unique needs. With our plans, you’ll enjoy: Nationwide PPO access. Lower premiums for healthy drivers. Comprehensive benefits tailored for life on the road. Let’s explore how private insurance plans can keep you covered no matter where the road takes you. Section 1: Nationwide PPO Access Means No More Out-of-Network Surprises One of the biggest challenges for truck drivers is finding care while traveling. Many ACA marketplace plans restrict you to limited regional networks, leaving you vulnerable to out-of-network costs when seeking care away from home. With Emmie Mae Health Advisors, we offer: 1. Nationwide PPO Networks Access healthcare providers across the country. Visit doctors, specialists, or hospitals in cities like Dallas, Phoenix, or anywhere your route takes you. Say goodbye to costly out-of-network bills. 2. Flexible Coverage Options Coverage tailored to your needs, including: Preventive care. Specialist visits. Catastrophic protection. Why it Matters: Having a nationwide health insurance plan for truck drivers ensures you’re covered no matter where you’re traveling. Whether it’s a routine check-up or an unexpected medical need, you’ll have peace of mind knowing you can access care anywhere. Learn more about the benefits of private health insurance to see how flexibility and nationwide access can work for you. Section 2: Lower Premiums for Healthy Drivers Most ACA marketplace plans base premiums on income rather than health. While this works for some, healthy drivers often end up paying more than they should. With private health insurance, your health is a key factor in determining your premium. 1. Health-Based Premiums Healthy drivers can qualify for lower premiums, saving money compared to traditional marketplace plans. Reward your healthy lifestyle with more affordable coverage. 2. No High Deductibles Many ACA plans come with high deductibles, leaving you paying thousands out-of-pocket before benefits kick in. Private plans offer predictable costs with lower deductibles and set copays. Pro Tip: Private plans provide an excellent balance of affordability and comprehensive coverage, especially for healthy individuals. Explore health insurance options for self-employed individuals if you’re managing your own business while on the road. Section 3: Comprehensive Coverage for Drivers’ Needs Truck drivers face unique health challenges, from long hours behind the wheel to limited access to healthcare while traveling. Private health insurance plans are designed to offer coverage that fits your lifestyle. 1. Preventive Care Routine check-ups, screenings, and vaccinations to keep you healthy and on the road. 2. Catastrophic Coverage Protection against major medical events, so you’re not stuck with overwhelming bills after an emergency. 3. Add-On Options Customize your plan with dental, vision, or disability coverage for more comprehensive protection. Learn more about supplemental health insurance options to add coverage tailored to your unique needs. Why Choose Emmie Mae Health Advisors? At Emmie Mae Health Advisors, we understand the challenges of life on the road and offer tailored health insurance solutions that provide: Year-Round Enrollment: No need to wait for open enrollment; private insurance plans are available anytime. Personalized Support: Get guidance from trusted advisors who take the time to understand your unique needs. Nationwide Access: Stay covered wherever the road takes you, from coast to coast. FAQs About Health Insurance for Truck Drivers 1. Can I switch to private health insurance anytime? Yes! Unlike ACA plans, private health insurance offers year-round enrollment, so you can switch when it’s convenient for you. 2. How can private insurance save me money? If you’re healthy, private plans often come with lower premiums and no high deductibles, making them more cost-effective. 3. Does private insurance include preventive care? Absolutely! Private plans cover routine check-ups, vaccinations, and more to keep you healthy on the road. Conclusion: Health Insurance That Works as Hard as You Do For commercial drivers, having the right health insurance is essential. With Emmie Mae Health Advisors, you get access to nationwide health insurance that’s flexible, affordable, and tailored to your unique lifestyle. Enjoy lower premiums, a nationwide PPO network, and coverage that keeps you protected no matter where you go. Call to Action: Save on Health Insurance Today Ready to find a health insurance plan that works as hard as you do? Contact Emmie Mae Health Advisors today for a free consultation and discover the best private insurance options for truck drivers. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here

As a travel nurse, you’re always on the move—working in new locations, adapting to new environments, and making a difference wherever you go. But with such a dynamic lifestyle, finding the right health insurance can be challenging. Standard plans often don’t account for the flexibility and coverage you need. At Emmie Mae Health Advisors, we specialize in helping travel nurses like you find the perfect health insurance plan. Whether you’re looking for private coverage, ACA plans, or short-term options, we’ve got you covered. Ready to find the right plan? Get your quote today. 1. Why Health Insurance Is Crucial for Travel Nurses Travel nursing comes with a unique set of challenges, and health insurance shouldn’t be one of them. Here’s why having the right coverage is essential: Unpredictable Work Locations: As you move from state to state, your health insurance should provide seamless coverage wherever you go. Access to a Nationwide Network: You’ll need the flexibility to choose healthcare providers across the country without worrying about out-of-network costs. Financial Protection: Unexpected medical emergencies can happen anytime, and health insurance ensures you’re not burdened by high out-of-pocket expenses. 2. Top Health Insurance Options for Travel Nurses As a travel nurse, you have several health insurance options. At Emmie Mae, we help you navigate these to find the best fit for your needs. Private Health Insurance Plans Private plans offer comprehensive coverage and flexibility, including: Nationwide PPO Networks: Access to healthcare providers across the U.S. Customizable Benefits: Tailor your plan to include vision, dental, or specialized care. ACA Marketplace Plans If you qualify, ACA plans provide essential health benefits and potential subsidies to lower costs. These plans are ideal if you experience changes in income or employment status. Short-Term Health Insurance Perfect for gaps between assignments, short-term plans provide temporary coverage with lower premiums. While not as comprehensive, they offer essential protection when you’re in transition. Call to Action: Unsure which plan is right for you? Get a personalized quote today. 3. Benefits of Choosing Emmie Mae Health Advisors At Emmie Mae, we understand the unique needs of travel nurses. Here’s what sets us apart: Expert Guidance: We help you navigate the complexities of health insurance, ensuring you get the best plan for your mobile lifestyle. No-Pressure Advice: Our team is dedicated to finding solutions that work for you, without any high-pressure sales tactics. Year-Round Support: From enrollment to claims assistance, we’re here to support you every step of the way. Call to Action: Let us help you find the perfect health insurance plan. Get your quote today. 4. How to Choose the Right Plan When evaluating health insurance options, consider the following factors: Coverage Area: Ensure your plan covers you in multiple states. Provider Network: Look for plans with extensive networks, including top hospitals and specialists. Cost: Balance your budget with premiums, deductibles, and out-of-pocket maximums. Benefits: Decide what additional coverage you need, such as dental, vision, or mental health services. Our advisors at Emmie Mae will walk you through these considerations to ensure you get the right coverage. Conclusion Finding the right health insurance for travel nurses doesn’t have to be difficult. With Emmie Mae Health Advisors, you’ll get expert guidance and access to a wide range of plans tailored to your unique needs. Ready to secure your coverage and focus on your next adventure? Get your quote today or contact us for personalized assistance. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Calendly