Todd Raffaeli HealthMarkets

Empower Your Remote Workforce with QSEHRA! 🌟

In today's flexible work environment, keeping your team healthy and happy is more important than ever. With QSEHRA, you can provide tailored healthcare benefits that work for every state.

👉 Discover the benefits:
✅ Works with employees in any state
✅ Flexible reimbursement options
✅ Keeps your team healthy & happy!

Ready to enhance your remote benefits? Reach out today to learn how QSEHRA can transform your workforce—my services come at no cost to you! 💼

Todd Raffaeli
720-773-8250
[email protected]
Licensed Insurance Agent

A common question I hear is, "If I miss the open enrollment period for health insurance, can I still make changes?" 🤔

Open enrollment starts November 1st and usually ends around January 15th (dates may vary by state). After this period, you generally can’t make changes unless you experience a qualifying life event, which could qualify you for a Special Enrollment Period (SEP).

Qualifying events include:

💍 Getting married or divorced
👶 Having or adopting a baby
🏡 Moving to a new area
❌ Losing other health coverage (e.g., job loss, aging out of a parent's plan)
👨‍👩‍👧 Changes in your household (e.g., someone becomes eligible for Medicaid)

To ensure you have the best plan for 2025, it’s crucial to review your options during the open enrollment period! If you’re feeling overwhelmed or have questions about new changes to your health insurance, reach out to me for a review. There is no cost for my services, so let's navigate this together!

Todd Raffaeli
720-773-8250
[email protected]
Licensed Insurance Agent

💭 Ever feel confused by insurance terms? You’re not alone! Let’s break down three key terms that often pop up during open enrollment:

Deductible: What you pay upfront before insurance helps.
Premium: Your monthly membership to stay insured.
Co-Pay: That small fee at your doctor’s office.

Understanding these terms can help you make the best decisions for your health. Got questions? Drop them below or give me a call! I’m here to help you navigate open enrollment with ease. My services are completely free, including your annual insurance review! 🙌

Todd Raffaeli
720-773-8250
[email protected]
Licensed Insurance Agent