Why shouldn’t I go solo during Open Enrollment?

Navigating enrollment alone may limit your options and lead to higher premiums. Licensed advisors know both ACA and private PPO markets, helping you avoid costly mistakes and uncover better coverage.

How can a licensed advisor save me money?

Licensed advisors compare ACA subsidies and private underwriting options. Healthy households may qualify for lower premiums through private PPOs, while income-based savings apply to ACA plans.

When are the Open Enrollment 2025 deadlines?

Open Enrollment runs November 1, 2024 – January 15, 2025. Apply by December 15 for January 1 coverage, or by January 15 for February 1 coverage.

Robert Adams 10/23/24 Robert Adams 10/23/24

Open Enrollment 2026: Why Working with a Licensed Advisor is Essential

Open Enrollment 2025 is here. Don’t go it alone—licensed advisors know ACA vs. private PPO options, deadlines, and ways to save. Acting early avoids rate hikes and limited plan choices.

Open Enrollment 2025: The Hidden Costs of Doing It Alone | RKA

Enrollment Guides • Open Enrollment 2025

Open Enrollment 2025: The Hidden Costs of Doing It Alone

Fast take: Open Enrollment is your only chance each year to secure or update coverage—but going solo can cost you. Licensed advisors know deadlines, subsidies, and private PPO alternatives to help you avoid higher premiums and missed benefits.

Why working with an advisor matters

A licensed advisor not only has access to all available plans—including ACA Marketplace and private options—but also the expertise to evaluate your needs and recommend coverage tailored to your situation. Many unlicensed brokers push limited-benefit plans that don’t protect you when it matters most.

Key benefits of guidance

Accurate info on what your plan covers.
Verification of which doctors are in-network.
Projection of maximum out-of-pocket costs.
Strategies to maximize savings based on income & health.

How a licensed advisor may save you money

Private PPOs can reward good health with lower premiums—similar to car insurance rewarding safe drivers. ACA Marketplace plans offer income-based savings. By reviewing both, advisors help you avoid costly mistakes and secure the best value.

Quick steps to start enrollment with confidence

Open Enrollment runs November 1 – January 15, but acting early locks in better options:

Nov 1: Open Enrollment begins.