About Just Right Insurance

A health insurance broker helps individuals, families, and businesses find and enroll in health insurance plans that best meet their needs and budgets. Brokers provide guidance, compare options across multiple carriers, and assist with claims or renewal processes—typically at no extra cost to the client. 

No. Most health insurance brokers are compensated by insurance carriers, not the clients. You get expert help at no additional cost.

Going directly to a carrier limits your options to just their plans. A broker can compare multiple companies and plans side-by-side, ensuring you get the best price and coverage for your needs.

Yes. Licensed brokers can help you apply through the Marketplace, determine subsidy eligibility, and select the best plan available during open enrollment or qualifying life events. 

You may still qualify for a Special Enrollment Period (SEP) if you've experienced a qualifying life event like moving, losing coverage, getting married, or having a baby. Brokers can help determine your eligibility. 

Yes. Brokers provide ongoing support including help with claims, billing issues, plan changes, and renewals—at no extra charge. 

Absolutely. A good broker will walk you through deductibles, copays, coinsurance, maximum out-of-pocket costs, and explain how to use your coverage effectively.

When you turn 65, you’re generally eligible for Medicare Part A and Part B. Time is of the essence, you’ll need to sign up during your Initial Enrollment Period (IEP).  A broker can help you understand your options for Medicare Advantage, Medigap (Supplement), and Part D prescription plans.  

It depends. If you’re still working and covered by employer insurance, you may be able to delay Medicare Part B without penalty. However, for most individuals with individual (Marketplace) plans, it’s recommended to switch to Medicare to avoid late enrollment penalties and coverage gaps. A broker can compare your current plan to Medicare options and help you decide what's best.