Have coverage already? Get another opinion for free.

What happens during a second opinion

There's no need to start from scratch if you already have coverage. You might have bought your policy a few years back, or received a renewal letter with a higher number than you expected. Send me what you have. On a short call, we'll look at whether it still makes sense for you.

• Share the renewal letter or rate notice you received. Can't find it? We can begin with just the plan name.
• Have a summary of benefits and coverage? Send it over. It shows which costs your plan covers.
• Let me know who's on the plan and your approximate self-employment earnings for this year.
• You can skip the medical records. Reviewing whether your plan fits doesn't require them.

Does any of this sound familiar?

Where you are now shapes what we review. Here's what people most often come to me with, along with how I help in each situation.

I'm unsure why my renewal price went up

A renewal price going up is common; it doesn't necessarily mean the coverage has gotten worse. Together, we'll review your letter. I'll check that the same terms are still available to you and explain the other options available for your household.

Next step: share the letter with me so we can review it together by phone.

I've kept my plan for years without checking other options

What worked for you a few years back might not work today, since plans and rules change each year. I'll compare your coverage with the way you use it now. We'll also look at whether something newer could be a better fit for you.

Next step: share the details of your plan, and I'll give you an honest opinion about keeping it.

My income is changing while I'm receiving a marketplace subsidy

For people whose income qualifies them for a premium subsidy, marketplace coverage is often the most affordable option. But that subsidy is based on what you earn over the year. A change in earnings can mean your original plan no longer fits. I'll look at your expected income alongside your current coverage and explain anything that needs your attention.

Next step: have your income estimate ready when we talk, so we can check the plan against your year.

I'm unsure what coverage I actually have with my private plan

Sales materials don't always make a private plan's network limits and exclusions easy to spot. We'll go through the documents together so I can explain what's covered and what's left out, then tell you whether the plan fits the care you expect to need.

Next step: share your policy summary with me before our call so we can review each line together.

We have different plans across our family

Separate plans within a household can leave you paying for duplicate coverage or overlooking a gap. I'll review everyone together, checking who's covered and where they go for care, then looking at how well the plans work with each other.

Next step: send a list of household members and their ages so I can review everyone's situation during our call.

I'm losing my job coverage and considering COBRA

You can keep your existing plan through COBRA, though it usually costs much more. I'll compare it against your other options within your enrollment window before you choose, so you can decide without simply accepting the default.

Next step: share your COBRA notice and coverage end date so I can explain your options before your deadline arrives.

What you won't get from me

• If your coverage suits you, I'll recommend keeping it. You won't get pressure from me to change plans.
• There's no charge for my review or the call, and you don't have to enroll in a plan.

Should you choose another plan, I'll help with enrollment and be there for questions afterward. The About page lets you check my license, and you can also read how I'm paid.