Health
Insurance
PPO
PPO plans give you the freedom to go in or out of network to get the care you need, which can be helpful if you work out of the area you live in and need healthcare regularly out-of-network.
HMO
Save on healthcare when comparing with a PPO plan while gaining quality coverage when going to an in network provider. HMOs require you choose a primary care physician & most require referals from your PCP to go to a specialist.
EPO
EPOs can help you save money while still providing comprehensive healthcare plan options, as long as you’re comfortable receiving care within more limited provider networks and coordinating services accordingly.
We’re a certified Pennie and Get Covered NJ health broker. Assign us in your Pennie profile or by calling Pennie. Once assigned, we’ll review your profile, email plan comparisons and benefit summaries, and you tell us which plan to enroll. We enroll you, you pay, and you’re covered.
Independence Blue Cross
Independence Blue Cross is a Philadelphia-based insurance carrier that offers PPO, HMO and EPO plans. IBX offers the largest network of physicians and hospitals in Philadelphia and surrounding counties like Chester, Delaware, Montgomery and Bucks.
Jefferson Health
Jefferson Health Plans offers affordable HMO health insurance options serving Philadelphia and nearby communities, including Bucks County, providing accessible coverage and local support for individuals and families.
Oscar Health
Oscar Health plans offer affordable HMO plans in Pennsylvania, Illinois, New Jersey and Florida that are easy to sign up for below.
FAQs
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ACA (Affordable Care Act) plans are comprehensive health insurance policies sold on the federal or state marketplace. They must cover 10 essential health benefits, offer free preventive care, and protect people with pre-existing conditions.
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Anyone who:
Lives in the U.S.
Is a lawful resident or U.S. citizen
Is not incarcerated
Is not enrolled in Medicare
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All ACA plans must cover:
Doctor visits & outpatient services
Emergency services
Hospitalization
Maternity and newborn care
Mental health & substance use treatment
Prescription drugs
Laboratory services
Preventive services
Pediatric services
Rehabilitative & habilitative services
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Yes, if the employer plan is too expensive or not comprehensive, you may still be eligible.
You may not qualify for ACA tax subsidies if your employer offers affodable, minimum-value coverage.
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No. We offer the same plans that you’ll find on state and federal health marketplaces, and we do not charge a broker fee to assist you.
Our Highmark plans off-exchange also offer platinum level plans, which are not available on current marketplace websites. Contact us or schedule a review to get pricing on platinum level PPO plans.
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No. We get paid a flat servicing commission directly from carriers, which means we do not charge a broker fee, and we do not make more money based on the cost of your health plan.
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Yes. If you have a current VA health plan, you can also enroll in an ACA plan, but no tax subsidies would be allowed if you keep the VA health plan in combination with your new ACA plan.
If you leave the VA health plan, then enroll in an ACA plan, you may then qualify for a tax subsidy if applicable based on income qualifications.
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We work with Independence Blue Cross, Capital Blue Cross, Highmark, Oscar Health, amBetter, Jefferson Health, UPMC and Geisinger.
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Oscar, amBetter from Wellcare of New Jersey, AmeriHealth, Horizon Blue Cross Blue Shield of New Jersey and UnitedHealthcare.
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amBetter, Oscar Health, Cigna Healthcare of Illinois, Molina and UnitedHealthcare
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Highmark Blue Cross Blue Shield Delaware, AmeriHealth Caritas Next and amBetter Health of Delaware.
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Shop plans from Oscar Health, UnitedHealthcare, amBetter and Cigna.
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You can assign us as your broker on your state marketplace profile’s dashboard or call a representative at your state marketplace and ask them to assign us. This assignment costs nothing and can be assigned throughout the calendar year. Examples of state marketplaces are Pennie, GetCoveredNJ and GetCoveredIllinois.
Capital Blue Cross, Geisinger, Highmark & UPMC
We work with a variety of other carriers on and off state marketplace websites, including Capital Blue Cross, Highmark, Geisinger and UPMC. Book a meeting below.
Florida and Delaware Health Plans
Shop, compare and enroll in a variety of health plans from Oscar, UnitedHealthcare, Cigna and amBetter by clicking below. Get started shopping plans below or contact us for help.
Book an appointment.
Get in touch.
Send your requests and questions to us below.