health insurance carriers


GET A MOLINA HEALTHCARE QUOTEMolina Healthcare is heavily involved in the individual medical market. After the Affordable Care Act passed in 2010 and began rolling out in 2014, Molina has since been providing health insurance. They’re in several states, selling on exchange only through either Healthcare.gov or their broker portal. For […]

Top Health Insurance Carriers: Molina Healthcare


Aetna is one of the largest health insurance companies in the nation. They offer a broad product portfolio, including senior products like Medicare, group insurance for both small and large companies, ancillary products, international products, as well as under 65 health insurance under the Affordable Care Act. In regards to the latter, Aetna provides insurance […]

Top Health Insurance Carriers: Aetna


Shannon Culp, COO of Empower Brokerage, sat down with Rita Ratcliff, a licensed agent who’s been in the insurance industry for more than 20 years. For Rita, the number one questions her customers ask is: “Why can’t I buy health insurance that’s affordable, accepted by doctors and hospitals, and is […]

Reasons to Consider Short Term Medical Plans



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Pay the Premium to Effectuate Your Policy In 2014 and 2015, it was generally acceptable to get a plan and not pay the first month’s premium for up to three months. Even though the payment was deferred, people would still have coverage for those first three months. However, carriers ended […]

Pay Your Premium in Order to Effectuate Your Health Insurance ...


It’s the new year. The holidays are over, but open enrollment isn’t. It’s crunch time now. The first deadline has come and gone, but there’s two deadlines left. Don’t procrastinate! Enroll in a qualified health plan now before it’s too late! Final OEP Deadlines Are Around the Corner The next […]

The Second Open Enrollment Deadline


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This year has seen several carriers dropping out of the marketplace or choosing not to offer qualified, Obamacare plans. As a result, many people have lost coverage. United Healthcare, for instance, chose not to renew several clients. Additionally, both Aetna and Cigna have not renewed much of their client base. […]

ATTENTION: Carriers Are Not Renewing Clients!



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Rodney Culp, CEO of Empower Brokerage, has over 30 years of experience helping people save money on their health insurance. Currently, one of the main concerns he hears from his clients is the lack of qualified healthcare options. For many consumers, they only have one option. In some areas of […]

The Solution to Limited Healthcare Options is Short-Term Medical


Acronyms are everywhere in health insurance, and unless you know what they stand for, trying to understand insurance quickly turns into translating hieroglyphics. Take, for instance, the commonly used terms “HMO” and “PPO.” What do they mean? We consulted with Jeff Hess, Empower Brokerage’s Individual Health Insurance and ACA Specialist, to […]

Terms Defined: HMOs vs PPOs