Help center
Frequently Asked Questions
Everything you need to know before talking to an advisor.
Is talking to an advisor really free?
Yes. Your consultation and healthcare review are completely free and come with no obligation. No fees, no pressure, no strings.
Do you only sell private plans?
No. We compare private PPO plans and public options like ACA/Marketplace side by side, then recommend whichever actually fits your situation and budget.
Will I get blown up with spam calls?
No, and this matters: your information goes to one licensed advisor at Unified Plan Options. We never sell or share your details with networks of marketers. One advisor, that is it.
How fast can my coverage start?
In many cases, as soon as the 1st of the next month. Some private plans can start even sooner.
What do I need to get started?
Just the basics: your state, who needs coverage, and a rough idea of your situation. The form takes about two minutes and a licensed advisor handles the rest.
Why is health insurance so expensive when you work for yourself?
Because nobody is splitting the bill. Employees get half their premium paid by the boss. You pay all of it. The fix is comparing the whole market: you may qualify for tax credits on the Marketplace or private plans that cost less than you think.
What happens if my income changes during the year?
With the right setup you can adjust your coverage or premium when income goes up or down, so you are never stuck overpaying. Your advisor shows you how to keep it flexible.
Can I write off my health insurance on my taxes?
Yes. Private plans with an HRA 105 (Health Reimbursement Arrangement) let 1099 professionals deduct premiums and qualifying medical expenses as business deductions.
I cannot take time off for appointments. How do I see a doctor?
We focus on plans with telehealth and nationwide urgent care, so you can talk to a doctor from your phone during a busy workday or while traveling.
Why do I need family health insurance?
Because one unexpected hospital visit can cost thousands of dollars. The right plan is the difference between a bad week and years of medical debt.
Can I include dental and vision?
Yes. Many plans offer dental and vision add-ons, and your advisor shows you which combinations are most affordable for your family.
Why not just stick with the agency plan?
Agency plans often reset when you switch, include waiting periods, and may not cover all states or specialties. A plan you own does not care who your employer is this quarter.
What if a contract ends before my new plan starts?
That is how nurses end up with coverage gaps. Your advisor helps you time the switch or finds interim options so there is no lapse.
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