ACA & Marketplace health insurance solutions

You give the Marketplace your best good-faith estimate of household income for the coverage year, and you update it when things change — you do not have to wait until tax time. Sarah walks self-employed and commission-based households through a realistic estimate and tells you what to do mid-year if a good quarter or a lost contract moves the number.

Report it to the Marketplace as soon as you know. Your premium tax credit is based on your estimate for the year, and it is reconciled against your actual income when you file your taxes.

Estimate too low and you repay part of the credit at tax time; too high and you pay more each month than you needed to. Updating mid-year is far better than discovering the gap in April.

Only if that doctor is in the plan’s network, and networks on Marketplace plans are often narrower than people expect. Directories also go out of date.

The reliable check is to confirm with the practice directly that they take the specific plan for the coming year — not just "that carrier". We do this with you before you enroll.

During Open Enrollment for coverage starting the following year, or during a Special Enrollment Period if you have had a qualifying life event — losing other coverage, moving, marriage, a birth or adoption, among others.

Most Special Enrollment Periods run 60 days from the event. A loss of coverage usually also lets you apply in the 60 days before it happens, which is better because it prevents a gap.

This is not a complete list of Special Enrollment Periods. Visit HealthCare.gov for the full list.

Nothing. Carriers pay a commission when a plan is issued, and that commission is already built into the plan price whether you use an agent or not.

Buying the same plan on your own does not make it cheaper — it just means nobody checked your doctors and prescriptions first, and nobody picks up the phone in March when something goes wrong.

No, and no agency does. We are independent, which means we compare across the carriers listed on this site rather than representing a single one — but that is not the same as offering every plan on the market.

We do not offer every plan available in your area. Currently we represent 8 organizations which offer 72 products in your area. Please contact Medicare.gov, 1-800-MEDICARE to get information on all of your options.

Sarah Wood Rodriquez, licensed since 2009 — over 17 years — and licensed in Utah, Arizona, Idaho. NPN 14943086.

The person who answers the phone is the person who reviews your plan. There is no call center and no handing you between departments.

Call Sarah, a licensed insurance agent, at 435-292-8777 (TTY 711) or book a call. The first conversation usually runs twenty to thirty minutes and there is nothing to sign.

Bring your prescription list and your doctors’ names — with those, the comparison can be a real one rather than a generic one.