Universal Benefits Group

Need Health Insurance?

You may qualify for FREE or low cost 2023 
Marketplace plans.

Open Enrollment Is Here!

Open Enrollment started November 1st. Fill out our form to have a licensed agent review 2023 plans with you.

You and your family deserve the protection of health insurance.

We're here to help make that EASY.

First Name*
Last Name*
Phone*
Gender*
Marital Status*
Date of Birth*
Household Size*
Expected Total Household Income for this year (This is a guess)*
Do you currently have Medicaid or Medicare?*
Does anyone need health coverage besides yourself? (Select all that apply)
How many children need coverage? (under 26 years old and not filing their own taxes)
By submitting this form I authorize licensed agents associated with Universal Benefits to contact me. I certify, warrant and represent that the telephone numbers that I have provided are my contact numbers. I represent that I am permitted to receive calls at each of the telephone numbers I have provided to you. I agree to promptly alert us whenever you stop using a particular telephone number.*
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Fill out this form to have our licensed health insurance agent contact you and help you qualify for free or low cost coverage.

Our mission is to help everyone access affordable health care.

We take pride in educating communities and making affordable health care accessible to everyone. 

Our licensed health insurance agents are trained to properly qualify individuals for assistance programs and subsidies to help make health care affordable.

Major Carriers We Work With

And many more...

You're a 15 minute call away from health care coverage!

Step 1

Fill out the form below and our licensed agent will contact you.

Step 2

Our agent will see if you qualify for free to low cost health care through government subsidies.

Step 3

Our agent will help you select a health plan tailored to your needs.

Step 4

Sit back and relax, our agents do all the heavy lifting! Our agent will fill out and submit your application to the Marketplace, making sure all your information is accurate.

Step 5

 Utilize your preventative care benefits to help you stay healthy, it's covered at 100%!
Live your life with peace of mind knowing you are covered in case of an illness or emergency.

Live Agents Available
9 am - 6 pm EST

Important Key Terms to Help you Understand your Health Plan

Premium

Payments that are made each month to your carrier for your coverage.

Subsidy

A tax credit that comes in the form of financial assistance to help make your health care affordable.  You may qualify for all or a portion of this premium tax credit based on your income.

Deductible

The amount you pay out of pocket before your insurance plan starts to pay for healthcare services. Some health plans waive the deductible for certain services.

Coverage

When enrolling or purchasing a health plan, an insurance company will pay for preventive services, as well as part of your medical bills if you get sick, hurt, or need a checkup

Co-Insurance

A percentage you pay for sharing the cost of covered health care services, typically after your deductible is met.

Co-Payment

A fixed amount you pay to cover the cost of covered health care services (typically after you’ve paid your deductible).

In Network

When an insurance company has an agreement with a network of healthcare providers to offer services at a lower rate.

Out of Network

Receiving care from providers that are outside of your health plan network. These services are subject to deductibles and a higher out of pocket cost.

Out-of-Pocket Max

A safety net, limiting the total amount you will pay towards covered health care services in one calendar year.

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