Why You Shouldn’t Enroll in Health Insurance Alone (And What to Do Instead)

Open Enrollment is officially here—and before you click through that health plan application on your own, here’s what you need to know.

Many people assume they can just DIY their health insurance enrollment. But if you’re not a licensed insurance broker, it’s incredibly easy to miss critical details that could cost you—big time.

Here’s the truth: carriers won’t tell you which doctors are in-network, which plans have limited specialists, or which ones are known for slow claims processing. Their goal is to sell you a plan—not to find the best one for your needs.

This year, it’s more important than ever to have someone in your corner who understands the shifting landscape. Some major updates:

• Baylor Scott & White will no longer support broker access. That means if you’re currently on one of their plans, we need to talk about alternatives—especially if you’ve struggled to get into a specialist or found their HMO network limiting.

• Plan options have changed and some off-market PPO plans may offer better coverage at lower rates—if you qualify.

• New off-market plans are emerging that offer nationwide coverage and better access to providers—especially helpful for travelers or families spread across multiple states.

At Jkapp Consulting, I work with multiple carriers—not just one. That means I can compare Blue Cross, Cigna, Ambetter, Oscar, and more to find what truly fits your budget and health needs.

Using a broker doesn’t cost you anything—but it could save you thousands.

Need a plan that works for your doctors, your budget, and your life? Let’s chat. Get on my calendar before December 15 so we can secure your coverage for a January 1 start date.