Same plan. Same deductible. Same doctors. Higher bill. Renewal increases are automatic, which is exactly why so many people pay them, and the letter is written to make accepting it feel like the only option. It is not.
A renewal is an offer, not an obligation. Privately underwritten PPO plans can generally be applied for any month of the year, which means you can shop this the week the letter arrives rather than waiting for an enrollment season that may be ten months away.
This is the exact sequence we run. No portal maze, no call-center roulette, no quote and vanish.
Sometimes it is only the premium. Sometimes the deductible moved, or the network narrowed, or a drug tier shifted. Carriers are not required to make that obvious. Find out what you are really being offered.
Your current carrier will not tell you that a different carrier is cheaper for your household. An independent licensed producer will, because we are not selling one company's product.
A cheaper premium that drops your specialist is not a saving. Before anything moves, we verify the physicians you actually use against the network on the plan you are considering.
Sometimes the honest answer is that your current plan is still the best thing available to you. That is a fine outcome. What is not fine is paying more every year without ever having checked.
Premiums rise for reasons that have nothing to do with you specifically. Medical costs go up, the pool you are in gets more expensive, and the plan you bought three years ago is no longer the plan the carrier is actively competing on. Loyalty is not rewarded in this market. The people paying the least are almost always the ones who checked recently.
Where we quote a 30 to 50 percent saving, that is measured against an unsubsidized benchmark Silver or Gold marketplace plan for the same household, not against a number we picked because it sounds good. And the honest caveat that most agents leave out: if you qualify for a subsidy, a private plan will probably cost you more, and we will tell you that rather than take the sale.
One call. Licensed producer, not a call center. If your current plan is still the better deal, I will tell you that.
A captive agent has one company's shelf. An independent licensed producer compares across carriers and gets paid the same either way, which removes the reason to steer you. That is the whole structural argument, and it is why the comparison is worth having even in the years when the answer is stay where you are.
Nothing. There is no fee for the review, the comparison, or the enrollment. Carriers compensate licensed producers, so the conversation costs you your time and nothing else. If the review says your current plan is still the best option for your household, you will have spent twenty minutes and gained the only thing worth having here, which is knowing.
Renewal increases are usually driven by rising medical costs, changes in the risk pool you are rated in, and the plan you hold no longer being the one the carrier competes on. It is rarely about you individually, which also means it is rarely something you have to accept.
Privately underwritten PPO plans can generally be applied for any month of the year, so yes in most cases. Marketplace plans typically require open enrollment or a qualifying life event. Which route applies depends on what you currently hold and what you are moving to.
Only if we check first, which we do before anything moves. The plans we place run nationwide PPO networks with no referral requirement, but no network includes every provider. Verifying your specific physicians is a step, not an assumption.
It depends entirely on your household, state, and health. Where we quote 30 to 50 percent, it is measured against an unsubsidized benchmark Silver or Gold marketplace plan for the same household. If you qualify for a subsidy, a private plan will probably cost you more, and we will say so.
No. There is no fee to you for the review, the comparison, or the enrollment. Carriers compensate licensed producers, so my time costs you nothing whether you move or stay.
Then that is what we will tell you. Staying put after an honest comparison is a legitimate result, and it is a better position than staying put because nobody ever ran the numbers.
Under-65 coverage only. We do not sell Medicare.