Nicole Gehring

04/01/2025

This is a Big Question on Google: "Is $200.00 a month good for health insurance"?

Whether $200 a month is a reasonable price for health insurance depends on the coverage offered and your individual needs. While it may be a low price for some plans, it is crucial to compare different options and understand the trade-offs between premium costs and potential out-of-pocket expenses.

Here's a more detailed breakdown to help you assess:
Factors to Consider:

Coverage:
A lower premium often means a higher deductible, co-pays, and co-insurance, meaning you'll pay more out-of-pocket when you use your health insurance.

Your Needs:
If you have chronic conditions or anticipate frequent doctor visits, a plan with lower out-of-pocket costs might be more valuable, even if the premium is higher.

Network:
Is the plan's network of doctors and hospitals suitable for your needs? If your preferred providers are out-of-network, you could incur significant costs.

Subsidies:
If you qualify for subsidies through the Affordable Care Act (ACA), your premiums could be significantly lower.

Compare Options:
Don't settle for the first plan you see. Compare premiums, coverage, and out-of-pocket costs from different insurers.

Average Costs

Individual Plans:
Premiums for individual plans can range from $300 to $600 monthly, but subsidies can lower these costs.

Employer-Sponsored Plans:
The average monthly premium for employer-sponsored individual coverage is around $703.

Marketplace Plans:
The average monthly premium for individual plans through the Health Insurance Marketplace is around $477.

03/31/2025

**Buyer Beware**

PSA: The Importance of Choosing the Right Insurance Coverage

A gentleman recently left his job to start his own business—an exciting yet daunting transition. Like many, he had little knowledge of his insurance options and was drawn in by a plan that promised the world at an unbelievably low rate. Unfortunately, like most people, he didn’t read the fine print.

Since entering the insurance industry, I’ve become an expert in dissecting those tiny details most overlook. Sadly, he learned the hard way—when the coverage he thought he had disappeared the moment he needed it most. The worst part? Had his routine colonoscopy revealed colon cancer, he would have faced not only a life-altering diagnosis but also an insurmountable financial burden. In hindsight, he would have been better off putting his monthly premium toward out-of-pocket medical expenses rather than paying for a plan with little to no coverage.

This is why it’s critical to know who you’re working with. Always verify credentials, understand precisely what your money is paying for, and work with someone who truly has your best interests at heart.

Too often, people spend more time selecting the perfect piece of fruit at the grocery store than they do, ensuring their health coverage will protect them in an emergency. Don't make that mistake. If you want someone who will read the fine print for you—and ensure you have coverage that actually works when you need it—let’s talk.

After leaving his job to launch his own business, an Illinois man opted for a six-month health insurance plan. When he needed a colonoscopy, he thought it would cover most of the bill. Then he learned his plan’s limited benefits would cost him plenty.

03/21/2025

Hello, everyone!
Are you moving, changing jobs, or tired of high deductibles and co-pays? Do you make too much money to qualify for a tax subsidy through the ACA/Obamacare/Marketplace? What if I told you that you could get a guaranteed renewable policy until the age of 65, where your coverage won’t change from year to year? And, what if I told you this plan offers nationwide PPO coverage?
As a private insurance agent, I specialize in helping self-employed individuals, families, small business owners, and anyone without access to employer-sponsored health insurance. I offer a variety of exceptional insurance products designed specifically for entrepreneurs and those outside the ACA marketplace.
These plans are not income-based and do not rely on subsidies, offering you flexible and reliable options for your healthcare needs. Plus, for business owners, 1099 contractors, and the self-employed, the cost of these plans is tax-deductible—an added benefit for your financial planning.
Call me today for a free one-on-one needs analysis so we can build out a policy tailored to your specific needs—not a one-size-fits-all solution. We can customize your plan to provide the coverage you want and the coverage that truly matters.
I encourage you to reach out so we can explore your options and find the perfect solution for you. Let’s work together to secure the coverage you deserve!

03/20/2025

Hello, everyone!
Are you moving, changing jobs, or tired of high deductibles and co-pays? Do you make too much money to qualify for a tax subsidy through the ACA/Obamacare/Marketplace? What if I told you that you could get a guaranteed renewable policy until age 65, where your coverage won’t change from year to year? And what if I told you this plan offers nationwide PPO coverage?
As a private insurance agent, I specialize in helping self-employed individuals, families, small business owners, and anyone without access to employer-sponsored health insurance. I offer a variety of exceptional insurance products designed specifically for entrepreneurs and those outside the ACA marketplace.
These plans are not income-based and do not rely on subsidies, offering flexible and reliable healthcare options. Plus, for business owners, 1099 contractors, and the self-employed, the cost of these plans is tax-deductible—an added benefit for your financial planning.
Please feel free to reach out so we can explore your options and find the perfect solution. Let’s work together to secure the coverage you deserve!

03/13/2025

https://lp.constantcontactpages.com/sl/5l6fM52/InsuranceYourWay?source_type=fbpo&source_id=ce0ed5ee-31b2-4143-91c1-ac0932ea0b5c

03/12/2025

https://lp.constantcontactpages.com/sl/5l6fM52/InsuranceYourWay?source_type=fbpo&source_id=7b07f26a-3eaa-4250-8849-45b0ec01f3cf

03/11/2025

I’m a licensed insurance agent proudly serving 48 states. My passion is helping individuals, families, small businesses, and self-employed rockstars find insurance solutions that truly fit their needs.

With over 10 years in the industry, I’ve seen it all—and I’m here to make navigating your options easy and stress-free. One of my favorite choices to share is private coverage. It offers long-term policies (up to age 65!), nationwide PPO access, and even $0 upfront deductibles. These hidden gems aren’t widely advertised but are game-changers.

Let’s work together to find the perfect plan for you. Call, text, or email me anytime. I can’t wait to help you secure your health, save money, and check “insurance” off your to-do list for good!

02/14/2025

Attention self-employed individuals, small business owners, and 1099 contractors: many are unaware of the private insurance options available beyond ACA and employer plans. These alternatives can offer affordable premiums on PPO plans, including options with a $0.00 upfront deductible. If you're seeking better coverage and are dissatisfied with current insurance solutions, consider exploring these private options. Let's connect to discuss how we can help you find the right plan for your needs.