Frequently Asked Questions
Straight answers to the questions we hear most often
Do I have to use the ACA Marketplace to get health insurance?
No. While the Marketplace is a great option for many people, we also offer private health insurance plans that aren't listed there. These can include short-term medical coverage, fixed indemnity plans, and health sharing programs. We'll walk you through both sides so you can pick what fits.
Can you help me if I missed Open Enrollment?
Yes. Many people qualify for a Special Enrollment Period due to life events like marriage, a new baby, loss of prior coverage, or a move. And if you don't qualify, private insurance options are available year-round.
Which carriers do you work with?
We partner with a broad network of national and regional carriers including Blue Cross Blue Shield, Cigna, Oscar, Anthem, UnitedHealthcare, Molina, Providence, Health First, and many others
How much does it cost to work with New Era?
Nothing. Our services are free to you. We're compensated by the insurance carriers when we place a policy, so you get expert guidance at no extra cost.
Do you offer plans for small businesses?
Yes. We help small business owners compare group health plans and find coverage that keeps teams healthy without breaking the budget.
What other products do you offer besides major medical?
Plenty. We also offer Accident Medical Expense (AME), Critical Illness (CI), Dental and Vision, Minimum Essential Coverage (MEC), and other supplemental riders that strengthen any base plan
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