Answers
Health insurance FAQs.
Common questions we hear — asked by real people, answered without jargon.
How much does your advice cost?+
Nothing. Carriers pay us directly when you enroll — your premium is the same whether you enroll with us or on your own.
Do you represent every insurance carrier?+
No advisor does. We work with a broad set of carriers across the states we're licensed in, and we're transparent when a plan we can't offer might fit better.
Can I get coverage outside Open Enrollment?+
Often yes. A qualifying life event (job loss, marriage, new baby, moving states) opens a Special Enrollment Period on the marketplace. Some private and short-term plans issue year-round.
Will my current doctors be in-network?+
We check each plan's provider directory against the doctors and hospitals you tell us about before you enroll.
What's the difference between ACA (marketplace) and private plans?+
ACA marketplace plans can use premium tax credits if your income qualifies. Private (off-exchange) plans skip subsidies but can offer broader PPO networks and year-round enrollment.
What is a deductible?+
A deductible is the amount you pay for covered services in a plan year before your insurance starts to pay. See our guide for a plain-English breakdown.
Is my information safe?+
We only collect what's needed, never sell your data, and use industry-standard protections. See our Privacy Policy for details.
Do you guarantee I'll get approved or save money?+
No honest advisor can. Eligibility, pricing, and underwriting vary by carrier and situation. We show you what's actually available and what it will actually cost you.
How do I get started?+
Request a free quote or call Jerry Quince directly at (786) 669-9257. There's no obligation.
Still have questions?
Jerry Quince is available 7 days · 8am–10pm ET.
Plan availability, eligibility, pricing, benefits, provider networks, and underwriting requirements vary by state, carrier, and individual circumstances. Summit Health Advisors does not represent every carrier or every plan available in your area. Submitting information does not guarantee coverage, pricing, enrollment, or eligibility.