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What are health insurance broker benefits? Navigating the world of health insurance can feel overwhelming. With so many plans and options, how do you know which one is right for you? That’s where a health insurance broker comes in. Whether you’re an individual, a family, or a small business owner, working with a broker can help you find the perfect plan for your needs—without the stress. At Emmie Mae Health Advisors, we specialize in helping our clients make informed decisions, ensuring they get the coverage they need at a price they can afford. Here are health insurance broker benefits and why working with a health insurance broker can make all the difference. 1. Personalized Guidance Based on Your Unique Needs Every person, family, or business has different health insurance requirements. A broker works with you to understand your specific situation, whether it’s: Individuals seeking coverage that fits their lifestyle and budget. Families looking for comprehensive plans that cover everything from pediatric care to dental and vision. Small business owners needing flexible group health insurance for their employees. Rather than offering a one-size-fits-all solution, brokers provide tailored advice to help you choose the best plan for your unique needs. Call to Action: Ready to explore your options? Call or text us at 602-662-9988 for personalized advice. 2. Access to a Wide Range of Plans Unlike insurance agents who only work with a single provider, brokers can shop across multiple insurers. This gives you access to a broad range of plans in both the private and public markets, ensuring you’re not limited to just one company’s offerings. At Emmie Mae, we simplify this process by presenting you with the best options from top providers, saving you time and energy. Want to see what’s available? Email us at [email protected] or connect with us on LinkedIn for a free consultation. 3. Save Time and Avoid Confusion Let’s face it—comparing health insurance plans can be a tedious and confusing task. From understanding premiums and deductibles to navigating network restrictions, it’s easy to feel lost. A broker takes this burden off your shoulders. They’ll do the heavy lifting by comparing plans, explaining benefits, and highlighting potential drawbacks, so you can make an informed decision quickly and confidently. Call to Action: Save time and avoid the hassle—schedule your consultation today. Call or text us at 602-662-9988! 4. No Cost to You Here’s a little-known fact: working with a health insurance broker typically comes at no extra cost. Brokers are compensated by insurance companies, meaning you get expert advice and support without having to pay any fees. This means you can focus on finding the right plan without worrying about added expenses. 5. Ongoing Support and Advocacy Health insurance isn’t just a one-time decision—it’s an ongoing need. A broker doesn’t just disappear after helping you choose a plan. Health insurance broker benefits is they’re available year-round to assist with: Policy renewals Claim issues Adjusting your coverage as your needs change At Emmie Mae, we’re committed to being your partner in health insurance, providing continued support to ensure your coverage always works for you. Have questions about your plan? Contact us at [email protected] or schedule a consultation today. Conclusion Choosing the right health insurance is one of the most important decisions you can make, and working with a broker ensures you’re not doing it alone. From personalized guidance to ongoing support, brokers help you navigate the complexities of health insurance with ease and confidence. At Emmie Mae Health Advisors, we’re here to help individuals, families, and small businesses find the perfect plan. Contact us today to learn more about how we can simplify your health insurance journey. Call or text: 602-662-9988 Email: [email protected] Connect with us on LinkedIn

Introduction When it comes to navigating the complex world of health insurance, finding a trusted, knowledgeable advisor can make all the difference. Meet Jacolby Gilliam, founder of Emmie Mae Health Advisors, an independent health insurance agency dedicated to helping individuals, families, and small business owners across the United States. Based in Scottsdale, AZ, Jacolby is currently licensed in Arizona, Oklahoma, Texas, Utah, and Florida, offering his clients tailored guidance in both private and public health insurance markets. A Passion for Helping Others Jacolby founded Emmie Mae Health Advisors with one goal in mind: to simplify health insurance for his clients. With a deep understanding of the industry, Jacolby provides a no-pressure, client-first approach, ensuring that each person feels confident and empowered in their decision-making process. Whether you’re a family in need of comprehensive coverage, a small business owner looking for affordable employee benefits, or an individual exploring private market options, Jacolby is here to help. “I believe in providing expert guidance without the high-pressure tactics often seen in the industry. My mission is to help clients find the right coverage for their unique needs, offering both peace of mind and financial protection.” What Sets Jacolby Gilliam and Emmie Mae Apart? When you choose Emmie Mae Health Advisors, you’re not just working with another health insurance agency. Here’s what makes Jacolby and his team stand out: Access to Comprehensive Plans: As licensed advisors, the Emmie Mae team can shop full-coverage health plans across the country, offering clients a wide range of options in both private and public markets. Tailored, Expert Advice: Jacolby takes the time to understand each client’s specific needs, ensuring they find a plan that offers the right balance of coverage and affordability. A No-Pressure Approach: Unlike many in the industry, Jacolby prioritizes transparency and trust, helping clients feel supported rather than pressured. Whether you’re navigating the ACA Marketplace or exploring private PPO plans, Jacolby ensures you’re informed every step of the way. Licensed Across Multiple States Jacolby’s expertise spans several states, providing health insurance solutions for clients in Arizona, Oklahoma, Texas, Utah, and Florida. His knowledge of state-specific regulations and coverage options allows him to offer personalized recommendations, no matter where his clients are located. Balancing Work and Life When Jacolby isn’t helping clients secure the best health insurance plans, you’ll likely find him spending time outdoors with his wife and daughter. Dedicated to his faith and family, Jacolby loves exploring the beauty of Arizona and beyond. And when it’s game day, you can bet he’s cheering on his alma mater— The University of Oklahoma. Client-Centered Health Insurance Guidance At Emmie Mae Health Advisors, Jacolby has built a reputation as a trusted advisor who truly cares about his clients’ well-being. His comprehensive approach ensures that individuals, families, and small business owners are not only covered but confident in their choices. Here’s what one client had to say: “Jacolby made the entire process so easy. He took the time to explain all my options and helped me find a plan that was perfect for my family. No pressure, just great advice!” Contact Jacolby Gilliam Today Whether you’re looking for a new health insurance plan or simply want to explore your options, Jacolby Gilliam and the team at Emmie Mae Health Advisors are here to help. Take advantage of open enrollment or request a free consultation today. Call or text: 602-662-9988 Email: [email protected] Schedule a free consultation with us today: Calendly Link

As the dust settles after an election, you may find yourself wondering how the results will affect your health insurance. Healthcare policies are often front and center in political debates, and changes in leadership can bring shifts in the way health insurance is managed. Whether it’s potential changes to the Affordable Care Act (ACA) or new regulations on premiums and coverage, understanding the landscape is key to protecting yourself and your family. At Emmie Mae Health Advisors, we’re committed to helping you navigate these changes, no matter what the future holds. Open Enrollment Is Here Open enrollment is your once-a-year opportunity to review your health insurance options and make changes or enroll in a new plan. Don’t miss out! Take advantage of this time to get free quotes from Emmie Mae Health Advisors and secure the best coverage for your needs. During open enrollment, many people explore ACA Marketplace plans, but it’s important to know that private market options are also available. These plans offer greater flexibility, often with nationwide coverage and customizable benefits. If you’re looking for a plan tailored to your specific needs without the income restrictions of ACA subsidies, private health insurance might be the right choice for you. At Emmie Mae Health Advisors, we specialize in helping you navigate both the ACA Marketplace and private market to find the best fit for your healthcare and budget. Changes in Healthcare Policy With each election, there’s the possibility of significant changes to healthcare policies. Here are a few areas to keep an eye on: ACA (Affordable Care Act) Protections: The future of the ACA often hangs in the balance during election seasons. Will pre-existing condition protections remain? Could there be expansions, reductions, or reforms? Election results could impact these factors. Medicare and Medicaid: Medicare and Medicaid are often topics of political debate, with discussions around expanding eligibility, adjusting benefits, or tightening regulations. Healthcare Reform or Public Options: The idea of a public healthcare option or broader reforms, such as Medicare for All, frequently surfaces during election cycles. These discussions could lead to new health insurance choices or changes to existing ones. Takeaway: It’s always wise to stay informed about potential healthcare policy shifts, especially if they might impact your health plan. Need advice on how these changes could affect your personal situation? Our advisors at Emmie Mae are ready to help. Potential Changes in Health Insurance Costs Election outcomes can have a direct impact on health insurance costs. Here are a few areas to consider: Premiums and Deductibles: New policies and regulations can lead to changes in how insurance companies calculate premiums and deductibles. Depending on the political landscape, you could see higher or lower costs for your coverage. Subsidies and Tax Credits: The availability of subsidies and tax credits under the ACA could be affected. If you’re relying on financial assistance for your health insurance, it’s crucial to understand how election results may impact your eligibility. Employer-Sponsored Insurance: Election outcomes can also affect employer-sponsored health insurance. Policy changes may influence the coverage options and costs offered through your workplace. Real-Life Example: If you’re someone like Brian, a small business owner in Tempe, the election health insurance changes might mean you need to re-evaluate your options for employee health coverage. With the latest changes in healthcare policies, Brian contacted Emmie Mae Health Advisors for guidance and found an affordable plan that fit both his needs and his budget Pre-Existing Conditions and Coverage For many, coverage for pre-existing conditions is a crucial issue during elections. The ACA has provided essential protections, but depending on the political outcome, these protections may be altered. Here’s what to consider: Pre-Existing Condition Protections: The protection for pre-existing conditions under the ACA could face changes depending on the political climate. Stay informed about potential shifts in policy, as this will directly impact individuals who rely on ongoing coverage for chronic conditions. Affordable Coverage for All: If you or a loved one have pre-existing conditions, understanding how these changes affect access to affordable plans is essential. Future healthcare laws may influence the availability and cost of plans designed for those needing specialized care. Advice: It’s a good idea to regularly review your health insurance options, especially if you or a family member has a pre-existing condition. Waiting until new policies are in effect could leave you with fewer options. Connect with a trusted advisor at Emmie Mae Health Advisors to explore coverage that protects you regardless of upcoming changes. The Role of Telemedicine During the pandemic, telemedicine became an essential healthcare tool, and many are hoping it continues to be covered and expanded in the future. However, election results could play a role in shaping the future of this service. Telemedicine Coverage: Depending on new healthcare regulations, telemedicine may continue to be widely covered—or not. Some political platforms favor expanding access to digital healthcare, while others may focus on more traditional models of care. Digital Health Advancements: We could see more regulatory focus on ensuring the safety, efficacy, and accessibility of digital health services, allowing patients to consult with healthcare providers from the comfort of their homes. Tip: If telemedicine is important to you, make sure your health insurance plan includes coverage for virtual visits. At Emmie Mae, we can help you find a plan that fits your lifestyle. Stay Informed and Plan Ahead Healthcare policy can change quickly after an election, which is why it’s important to stay informed and keep your options open. Whether the results lead to new laws or updates to current policies, understanding how these changes will affect your health insurance is crucial. Legislative Updates: Keep an eye on any new healthcare bills or reforms. These changes may affect your coverage, so it’s essential to act early. Insurance Market Shifts: The insurance market tends to adjust following legislative updates. Be sure to review your health plan during open enrollment to see if it still meets your needs. Advice: At Emmie Mae Health Advisors, we track these election health insurance

Introduction As a freelancer in Arizona, your flexibility and independence come with unique challenges—particularly when it comes to securing health insurance. Without access to employer-sponsored coverage, finding a plan that fits your lifestyle and budget can be daunting. At Emmie Mae Health Advisors, we specialize in helping freelancers across Arizona—including Phoenix, Tucson, Scottsdale, Chandler, Tempe, and Gilbert—find affordable health insurance that offers comprehensive coverage and peace of mind. Private market health insurance often stands out as the best option, offering flexibility, affordability, and a wide range of benefits. 1. Why Freelancers Need Private Health Insurance Freelancers face unique challenges in securing health insurance, which makes private market options a smart solution. Key Reasons Freelancers Need Coverage: No Employer-Sponsored Plans: Freelancers must find their own health insurance, making it essential to explore customizable, budget-friendly options. Protection from High Medical Costs: Without insurance, even routine healthcare needs can lead to significant out-of-pocket expenses. Private health insurance safeguards you from unexpected bills and provides access to preventive care. Pro Tip: By choosing private health insurance, freelancers in Arizona can enjoy coverage designed to adapt to their flexible and independent lifestyles. 2. Affordable and Customizable Health Insurance Plans A common misconception about private health insurance is that it’s expensive. In reality, private market plans offer a variety of affordable options tailored to your needs. Benefits of Private Health Insurance for Freelancers: Customizable Plans: Adjust your coverage, deductibles, and co-pays to align with your specific health requirements and financial situation. Lower Premiums for Healthy Individuals: Freelancers who maintain a healthy lifestyle often qualify for lower premiums, making private insurance even more cost-effective. Freelancers in fast-growing cities like Phoenix, Tucson, and Scottsdale are increasingly turning to private health insurance to maintain comprehensive coverage while managing variable incomes and unpredictable schedules. 3. Flexibility and Nationwide Coverage Freelancers value flexibility in their health insurance plans. Whether you’re working remotely from home in Chandler or traveling for a client project in Tempe, private market health insurance offers adaptable options that fit your lifestyle. Key Features of Flexible Private Health Insurance: Nationwide PPO Access: Many private plans, such as those available through Emmie Mae Health Advisors, include PPO networks that provide access to a wide range of doctors and specialists across the U.S. Adjustable Coverage Options: As your freelance income fluctuates or your health needs change, you can adjust your plan to match your current situation. Why It Matters: Freelancers need coverage that works as hard as they do, no matter where their work takes them. 4. Why Freelancers in Arizona Choose Emmie Mae Health Advisors At Emmie Mae Health Advisors, we’re dedicated to helping Arizona freelancers navigate their health insurance options. Our private market plans offer: Tailored Solutions: We take the time to understand your specific needs and recommend plans that balance affordability and coverage. Nationwide Flexibility: Stay covered whether you’re working from home or traveling across the country. Ongoing Support: From enrollment to claims assistance, we’re here to ensure your health insurance works for you. FAQs About Freelancers and Private Health Insurance 1. Can freelancers enroll in private health insurance anytime? Yes! Unlike ACA plans, private health insurance allows year-round enrollment, so you can apply whenever it’s convenient. 2. Are private health insurance plans affordable for freelancers? Absolutely. Private plans are often more affordable than COBRA or other options, especially for healthy individuals who qualify for lower premiums. 3. Can private plans cover dental or vision? Yes, private health insurance can include add-ons like dental and vision coverage, providing comprehensive protection for freelancers. Conclusion: Protect Your Health and Your Business Freelancers in Arizona deserve health insurance that fits their lifestyle—affordable, flexible, and comprehensive. At Emmie Mae Health Advisors, we help freelancers in cities like Tucson, Phoenix, Scottsdale, and Chandler find the perfect private market health insurance plan tailored to their needs. Call to Action: Get the Coverage You Deserve Ready to secure the health insurance you need as a freelancer? Contact Jacolby and the Emmie Mae Team today to explore your options and find the right plan. Call or text: 602-662-9988 Email: [email protected] Schedule a consultation: Schedule Your Appointment Here Get your personalized quote here