Expert Health Insurance Broker Services: Guidance & Enrollment Support
Finding the right individual or family health insurance plan can be a frustrating task. Navigating Georgia Access, comparing off-exchange options, and understanding subsidies takes time and effort. I’m Andy Stroman, founder of Stroman Insurance Services, and I specialize in making this process easier for you. I’ll personally explain your choices, help you compare plans based on your needs and budget, and guide you through enrollment – all at no direct cost to you.
My Individual & Family Health Insurance Services
Whether you’re self-employed, between jobs, don’t have employer coverage, or just want to review your options, I provide complete support:
Marketplace Navigation (Georgia Access)
Step-by-step assistance with shopping and enrolling through Georgia Access, including help understanding plan levels (Bronze, Silver, Gold, Platinum) and checking your eligibility for potential Premium Tax Credits (subsidies) and Cost-Sharing Reductions.
Off-Exchange Plan Comparison
Evaluating plans available directly from insurance carriers, including Underwritten PPO options that may be a good fit for eligible self-employed individuals and families who prioritize network flexibility and don’t qualify for significant subsidies.
Personalized Plan Evaluation
I help you compare plans based on factors crucial to you – monthly premiums, deductibles, copays, out-of-pocket maximums, and importantly, whether your preferred doctors and hospitals are in-network.
Enrollment Assistance
Guiding you through the application process during Open Enrollment or if you qualify for a Special Enrollment Period (due to life events like moving, marriage, birth of a child, loss of other coverage).
Year-Round Assistance
I’m here to help with questions about your policy, coverage issues, or reviewing your options when it’s time to renew or during Special Enrollment opportunities.
How I Help You Compare Your Health Plan Choices
The Georgia health insurance market offers several avenues for coverage. My service focuses on helping you compare the primary options:
Georgia Access Plans
I’ll help you navigate the state marketplace, understand the metallic tiers, check your potential subsidy eligibility, and compare available ACA-compliant plans from participating carriers in your area.
Off-Exchange Plans (Including Underwritten PPOs)
For those who may not get significant subsidies or have specific needs (like broader PPO networks), I compare plans offered directly by carriers. For Underwritten PPOs, I explain the application process (which includes health questions) and help determine if it’s a viable path for you.
My goal is to present these options side-by-side, tailored to your specific health needs and budget, so you can make a confident choice.
Adding Supplemental Protection
Often, a core health plan has out-of-pocket costs like deductibles and copays. If you’re concerned about these potential expenses, I can also help you evaluate and enroll in GAP coverage or other supplemental plans (like Accident, Critical Illness, Dental/Vision) designed to reduce your financial risk.
What clients have to say
How My Process Works
The health insurance enrollment process can be frustrating. My job is to remove the headache.
Here’s what to expect when you work with me:
1. Free Consultation
Tell me about your situation (family size, income estimate, health needs, employment status).
2. Compare Options
I’ll present personalized recommendations, clearly explaining suitable plans available through Georgia Access and/or off-exchange carriers.
3. Easy Enrollment
Once you choose, I guide you through the application and enrollment steps accurately.
4. Ongoing Support
I remain your resource for policy questions, life changes, and annual reviews.
Ready for professional Medicare guidance?
Schedule your free consultation. I’ll help you understand your options and find the right coverage for your needs.
Find Local Health Insurance Help in Atlanta
As a broker based in Marietta, I have in-depth knowledge of the health insurance landscape for Metro Atlanta and Georgia residents, including navigating Georgia Access and local provider networks.
While specializing in Georgia, I am licensed and assist clients across many other states.
Frequently Asked Questions
Here are the most common questions I get from prospective clients:
Generally, you enroll in individual or family health plans during the annual Open Enrollment Period (OEP), which typically runs from November 1st to January 15th for coverage starting the next year through Georgia Access. However, if you experience a Qualifying Life Event (QLE) – like losing job-based coverage, getting married or divorced, having a baby, or moving – you may qualify for a Special Enrollment Period (SEP) outside of OEP. My service includes helping you identify if you qualify for an SEP and guiding you through the enrollment process during either period.
The best path depends mainly on your eligibility for financial assistance (subsidies). Premium Tax Credits are only available for plans purchased through Georgia Access. If you qualify for subsidies, Georgia Access is often the most cost-effective option. If you don’t qualify for significant subsidies, or if you’re seeking specific plans not on the marketplace (like certain Underwritten PPOs), buying directly off-exchange might be suitable. I help you evaluate both pathways: we’ll check your potential subsidy eligibility on Georgia Access, and also compare qualified off-exchange plans to find the best overall value for your situation.
This is critical, as using out-of-network providers can be very expensive. Both Georgia Access plans and off-exchange plans have specific provider networks (like HMOs, PPOs, EPOs). Checking provider networks is a crucial step in my plan comparison service. Before you make a decision, I verify if your preferred doctors, specialists, and hospitals are considered in-network for the specific plans you are considering.
Plan premiums vary significantly based on age, location, tobacco use, plan tier (Bronze, Silver, Gold, Platinum), and the insurance carrier. Financial assistance is available for many Georgians through Georgia Access. A key part of my service is guiding you through the Georgia Access application to accurately determine if you qualify for Premium Tax Credits (subsidies) based on your estimated income and household size. These credits can significantly lower your monthly premium. I’ll help you understand the true potential cost of different plan options.
Finding affordable, quality coverage is a common challenge for freelancers, contractors, and small business owners. I specialize in helping self-employed individuals and 1099 contractors navigate their specific options. This includes comparing ACA-compliant plans on Georgia Access (where subsidies might significantly reduce costs) and exploring potentially suitable off-exchange plans, such as Underwritten PPOs which might offer different network or cost advantages for those who qualify based on health status.
Yes, you typically have the opportunity to change your individual health plan each year during the Open Enrollment Period (usually Nov 1 – Jan 15) for the following year. You may also be able to change plans mid-year if you experience a Qualifying Life Event that triggers a Special Enrollment Period. I provide ongoing support, including reminders about Open Enrollment, and can help you review your coverage annually to ensure it still meets your needs. If you have a life change during the year, I can help you determine if you qualify for an SEP to switch plans then.