Goodly Agency

🚨 Open Enrollment is coming — but the Marketplace isn’t your only option.

There are health plan options outside of Obamacare/Marketplace coverage that may make sense for certain individuals and families, especially those looking for:

👥 Group-based AHP / ERISA plan structures
🌎 Broad nationwide provider networks
💵 Rates that are typically not based on household income
📋 Alternatives worth reviewing before Open Enrollment begins

These plans can bring individuals together under a group structure, which may create stronger purchasing power and access to larger networks.

✅ Not every plan is right for every person
✅ Availability and eligibility vary by state
✅ Benefits, underwriting, and plan structure can differ

If you want to compare your Marketplace options with private AHP/ERISA alternatives before Open Enrollment, message me and we can review both.

📩 Goodly Health • Life • Group
🔎 Know your options before you enroll.

❤️ International Day of Charity feels especially fitting during Life Insurance Awareness Month.

Life insurance is primarily about protecting the people you love, but with certain SBLI term life policies, your legacy can reach even further.

Through SBLI’s Charitable Giving Rider, you can select an eligible 501(c)(3) charity that matters to you. When the policy’s death benefit is paid, SBLI pays an additional 0.5% of the policy’s face amount to that organization in your name. That charitable gift is in addition to the benefit paid to your family—it doesn’t reduce what your beneficiaries receive.

For example, a $500,000 policy could mean an additional $2,500 donation to a cause that was important to you.

🏠 Protect your family.
❤️ Support something you believe in.
🌎 Leave an impact that goes beyond your household.

Life insurance doesn’t have to be about leaving millions behind. Sometimes it’s simply about making sure the people—and causes—you care about are a little better protected because you planned ahead.

Product features and availability may vary by state and policy.

September is Life Insurance Awareness Month ❤️

You don’t need millions of dollars of coverage for life insurance to make a difference. Something is better than nothing.

A simple policy can help with things like:
🏠 Mortgage or rent
💳 Bills and debt
💵 Lost income
⚰️ Final expenses
👨‍👩‍👧 Giving your family time to adjust

And don’t assume your employer is going to fully protect your family. Employer-provided coverage is often limited, and it may disappear if you change jobs or retire.

The goal isn’t to overinsure yourself. It’s to leave your family with options instead of financial stress.

❤️ Protect the people who depend on you.
📋 Get coverage that fits your budget.
🚫 Don’t leave your family having to start a GoFundMe when they’re already dealing with the worst day of their lives.

Choosing a health plan is about more than just the monthly premium. 💵 One of the biggest things to understand is the network type. 🏥

Here’s a simple breakdown:

🔵 PPO
More flexibility, with both in-network and out-of-network options. Referrals are usually not required.

🟠 EPO
You’ll usually need to stay in-network. Out-of-network care is generally not covered except for emergencies, and referrals are usually not required.

🔵 HMO
Often offers a more coordinated, lower-cost structure. Care is generally provided through the plan’s network, and you typically need a referral to see a specialist.

The right plan depends on your doctors 👨‍⚕️, prescriptions 💊, healthcare needs ❤️, and budget 💰.

If you ever want help comparing your options, we’re here to make it easier. 🤝

🏥 Novant Health is coming to Upstate South Carolina!

The expansion could bring more healthcare options to the Greenville area - but it may also affect local insurance networks. Not every health plan will automatically include each Novant facility or provider.

Before scheduling care, always confirm that both the facility and the individual provider are in-network with your insurance plan.

Goodly Agency will continue watching these changes and helping our Upstate SC clients understand their coverage.

One thing we’ve learned at Goodly Agency is that health insurance is incredibly subjective.

In the same week, we’ll speak with someone struggling to afford healthcare while paying thousands of dollars in medical costs—and someone else frustrated by an extra $25 per month in premiums.

Neither perspective is wrong.

We also work with business owners who have very different goals. Some prioritize Marketplace subsidies because they make financial sense. Others prefer private coverage for the flexibility, networks, or benefits it can provide.

That’s why we don’t believe in a one-size-fits-all approach.

Our role is to listen first, understand each person’s situation, and help them choose the coverage that best fits their needs—not the one that’s best for someone else.

The best health insurance isn’t the same for everyone. It’s the one that makes sense for you.

Don't let this be you tomorrow! Reach out today, and let's select a health plan for 2026.

Schedule a time below!

https://mygoodly.com/calendar

or call (864)385-2020

Huge THANK you to the amazing clients who took the time to give the agency 25 ⭐⭐⭐⭐⭐ reviews on Google!

If you are trying to navigate the health insurance world on your own, visit the link below and see how we can help!

https://mygoodly.com/