Question 1

Is there really no cost for your help?

Accepted Answer

Yes! Our services are completely free to you. We are compensated by insurance carriers when you enroll in a plan through us. You pay the exact same premium whether you use our help or enroll directly with the carrier.

Question 2

Are you affiliated with the government?

Accepted Answer

No. HealthQuoted is a health insurance website operated by licensed insurance agent Amin Hussein (NPN 20366591). It is not affiliated with or endorsed by the U.S. government or the Health Insurance Marketplace.

Question 3

Do you represent all insurance carriers?

Accepted Answer

We work with many major insurance carriers, but not all. This allows us to offer you a variety of options to compare. If you have a specific carrier in mind, let us know and we can tell you if we work with them.

Question 4

What states do you serve?

Accepted Answer

We are licensed in Florida and serve residents throughout all 67 Florida counties. Our primary focus is Orlando and Central Florida, but we help clients statewide.

Question 5

What is the Health Insurance Marketplace?

Accepted Answer

The Marketplace (sometimes called the Exchange or Obamacare) is a government-run website where you can shop for and enroll in health insurance plans. It's the only place where you can get tax credits to lower your monthly cost.

Question 6

What is Open Enrollment?

Accepted Answer

Open Enrollment is the window each year — from November 1 to January 15 — when anyone can sign up for a health plan or make changes to their existing one. Outside this window, you can still enroll if you qualify for a Special Enrollment Period.

Question 7

Do I qualify for savings on my premium?

Accepted Answer

Most households that don't have health coverage through a job qualify for some kind of financial help. Tax credits are generally available to households earning between 100% and 400% of the Federal Poverty Level. We'll check your eligibility for free.

Question 8

What are the plan 'metal levels'?

Accepted Answer

Health plans come in four levels — Bronze, Silver, Gold, and Platinum. The level indicates how costs are split between you and the plan. Bronze has lower monthly premiums but higher costs when you need care; Platinum is the opposite. Silver is often the best value for people who qualify for savings.

Question 9

Can I get coverage if I'm self-employed?

Accepted Answer

Yes! The Marketplace is a great option for self-employed individuals and their families. You may qualify for savings based on your projected income, and your premiums may be tax-deductible.

Question 10

What if I missed Open Enrollment?

Accepted Answer

Outside of Open Enrollment, you can still enroll if you qualify for a Special Enrollment Period (SEP). Common qualifying events include losing other coverage, moving, getting married, having a baby, or a significant income change.

Question 11

What does 'deductible' mean?

Accepted Answer

Your deductible is how much you pay out-of-pocket for covered services before your insurance starts sharing the cost. For example, with a $1,000 deductible, you pay the first $1,000 of covered care each year — then your insurance kicks in.

Question 12

What is an 'out-of-pocket maximum'?

Accepted Answer

This is the most you'll ever have to pay in a year for covered services. Once you hit that amount, your insurance covers 100% of the rest. It's a safety net that protects you from very large medical bills.

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