available plan options
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health + life plan options
Front Line Advisors can tailor your health coverage to your exact medical needs and financial situation. FLA only works with top rated carriers because we want to ensure our clients are getting the best coverage for the most competitive premium amount.
insurance options loop
Our Process: From start to finish
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30 min discovery call
An expert FLA advisor will take a few minutes to better understand your health history to better assist with narrowing down plan options. Our discovery call will consist of in depth questions to better understand your wants and expectations of your future health coverage.
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Email with plan options
At FLA we understand it takes time to digest plan information and discuss options with loved ones. Our expert advisors will email you plan options to review. The email will contain benefit brochures direct from the carriers and/or potential add on benefits discussed in discovery call.
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Follow Up Call
After reviewing the health coverage material there will probably be some new questions that come to mind. Perfect, that’s exactly what our follow up call is for. Our expert advisors will answer any questions or concerns you may have. We’re here to advise, but it’s your decision!
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Submit Application
Depending on the chosen carrier and their application process our expert advisors will walk you through the process and submit an application on your behalf. Yes, it really is that easy! Our advisors take the frustration out of this tedious process.
Frequently Asked Questions
Have some immediate questions about health insurance? Here are the most frequently asked questions with immediate answers.
These are general answers. Keep in mind every plan is different and that’s why consulting with your advisor and being transparent about your health needs is so important.
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Private insurance is available all year round, so you're not limited to just the open enrollment period. Pretty cool, right?
Open enrollment is typically November 1 - January 15. That’s when you don’t need a qualifying life event to switch or change your ACA plans. This is the time you lock in your new plan for the upcoming year.
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A deductible is the amount you pay first before your insurance starts sharing costs.
The max out-of-pocket is the total limit you’ll pay for covered services in a year—once you hit that number, your insurance covers 100% of eligible expenses.
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A PPO gives you more flexibility—you can see doctors in or out of network and usually you don’t need a referral to see a specialist, but it comes with higher costs.
An HMO is more restrictive you have to stay in-network and you typically need a referral to see specialists.
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ACA (Affordable Care Act) plans are government-regulated, cover essential health benefits, and can’t deny coverage for pre-existing conditions—pricing is standardized and often income-based with subsidies.
Private plans aren’t tied to ACA rules, so they’re medically underwritten, they may exclude certain conditions, and vary more in coverage—but can sometimes offer lower premiums and more flexibility depending on the situation.
LET’S GET STARTED