Many people lose their health coverage or end up paying more than they need to — not because they lack options, but because of mistakes that are easy to avoid. Here we explain the three most common ones.
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Mistake #1: Waiting until you get sick to look for coverage
1 Waiting until you're sick to look for insurance
This is the most expensive mistake. When someone gets sick without insurance, medical bills can pile up quickly. A hospital can charge thousands of dollars for a single emergency visit.
The reality is that enrollment periods have deadlines. In Florida and Texas, the ACA Open Enrollment Period generally runs between November and January each year. If you get sick outside that period, you may not be able to enroll right away.
The solution is simple: enroll while you're healthy, before you need it. Active insurance protects you from the very first day of coverage.
Mistake #2: Assuming you don't qualify because of your income
2 Believing you don't qualify because of your income
Many people assume they don't qualify for government help — and never call to check. In many cases, they leave money on the table.
Thanks to ACA (Affordable Care Act) subsidies, many people in Florida and Texas qualify for plans with greatly reduced costs, and some may even qualify for plans with a very low monthly premium.
Subsidies depend on your income, your family size, and the state where you live. The only way to know for sure is to review your case with a licensed advisor — and that review is free for you.
At HG Insurance Group we review your eligibility at no cost to you. Don't assume — call us and we'll tell you exactly what you're entitled to.
Mistake #3: Not knowing that an advisor is available to you
3 Not knowing that the advice is free
Many people don't know they can have an insurance advisor guide them — without paying anything for it. The advisor is compensated by the insurance company, not by the client.
A licensed advisor can help you:
- Compare the plans available in your area
- Understand what each plan covers and what it doesn't
- Calculate your subsidies and lower your monthly premium
- Enroll in the right plan for your family
- Resolve issues with your coverage during the year
At HG Insurance Group we serve families in Florida, Texas, and Puerto Rico. Our advice is free for you — and we can assist you in Spanish.
Do you have questions about your insurance?
Talk to an advisor today. The consultation is free for you.
What should you do now?
If you don't have health insurance, or if you have one but aren't sure it's the best fit for your situation, the first step is to talk to an advisor. The conversation commits you to nothing and is free of charge.
Call us at (352) 890-3703 or message us on WhatsApp. We assist you in Spanish and English, Monday through Friday from 9am to 6pm ET.