SB Insurance Group LLC

Some changes are already happening for 2027 Open Enrollment!

If you are tired of enrolling with Obamacare every year while the coverage and rates keep getting worse, please contact me!!

Breaking News: The Trump administration has cut 750,000 enrollees from Obamacare, Vice President JD Vance said, claiming that many were receiving premium subsidies they did not qualify for and that some were not even real people. https://nyti.ms/4yQwbWo

What should you do if you need a quote?

That quick website form asking for your name, phone number, email, date of birth, and other personal information may seem like an easy way to get a health insurance quote. But what happens after you hit “submit”?

You most likely will start receiving call after call from people you’ve never heard of, all claiming they can help.

The bigger concern is, do you really know who is on the other end of the phone? You may not know who they represent, how they received your information, or whether they are someone you can trust with something as important as your health coverage.

Instead, consider working directly with a trusted, licensed insurance professional who you can speak with one-on-one. Someone who can answer your questions, explain your options, and help you understand exactly what you’re applying for.

Not offered health benefits through your employer? You still have options!

If your employer doesn’t offer health insurance—or you’re self-employed, working part-time, or simply looking for an alternative—you don’t necessarily have to go without coverage or go through the marketplace.

There are private health insurance options that may provide benefits similar to what you’d expect from a group health plan, while potentially being more affordable depending on your situation.

If you’d like to explore what may be available for you, send me a message or call 512-557-6903.

Did you know you can enroll in private health insurance year-round? 👀

You don’t always have to wait for Open Enrollment to switch or get health coverage!

Whether you’ve recently lost coverage, are self-employed, between jobs, or simply looking for a different plan, it’s worth exploring your options.

📩 Send me a message and I can help you explore private health insurance options and find a plan that fits your needs and budget. 📱 512-557-6903

Happy Tuesday!!

Monday Q&A:

COBRA can let you temporarily keep your employer-sponsored health insurance after you leave a job or lose eligibility for the plan.

The important catch is that you usually pay the full premium yourself, including the amount your employer previously paid. That can make COBRA considerably more expensive than what you paid while employed.

However, COBRA can be useful if:

- You currently have ongoing medical treatment and/or a surgery scheduled.
- You've already met majority of your plan's deductible or out-of-pocket maximum for the year.

If you are curious if taking COBRA or choosing alternative coverage is the better fit, reach out to me! 512-557-6903

Happy Wednesday! Story time! ✨

This week I was referred to a client in a Facebook group that recently moved from North Carolina. They lost their insurance a few months ago from their former employer and Cobra was going to be too expensive!

The couple was able to qualify for Medicaid in North Carolina but once they moved to Texas, they needed to look at alternative options.

A marketplace plan was going to run them $1700 per month!!! Not to mention, in Texas, you don't have the option of a PPO network through ACA!

Thankfully, I was able to offer a nationwide PPO plan and save about 30% on what they were quoted through the marketplace! Now the couple has coverage, a large network of doctors AND can use the coverage in North Carolina when they visit! 🤩

✨ We can't predict the future but we can protect it ✨

Life is unpredictable, but your health insurance shouldn't be something you put off until you need it.

A good health plan can help protect you from unexpected medical expenses while giving you access to the best doctors and hospitals.

Let's make sure your health insurance is working for you and your budget! Have questions about your options? Call 512-557-6903.

A high deductible can lead to a more affordable premium, but it is important to know that you will have to meet the deductible to have coverage.

For example: If your medical plan has a $5000 deductible, you must pay the first $5000 of your medical bills, and then the insurance company will start covering costs.

Self employed? 1099 contractor?

Medical, dental, vision and long term care premiums can qualify for tax deductions. Check to see if you are eligible and then it can be one of the biggest tax advantages as a 1099!

Want to know more? Reach out today! 512-557-6903