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Frequently Asked Questions

Here are some answers to commonly asked questions. If you have other questions, don't hesitate to ask us!

Questions about health insurance in south carolina
Do I pay the AC Forrest Insurance Group?
No. Brokers like us are paid by the insurance companies. We make a commission off our clients’ premiums – so we have a stake in you being happy with your coverage!t
Do I pay more to use a broker?
No. The health insurance industry is unique in that the prices are fixed, meaning your policy will cost the same regardless of how or from whom you buy it. Nobody (including us) has any special deals or prices. We are paid a commission by the insurance companies, but because the prices are unaffected by this, our service comes at no extra charge to you. So you get all of the advantages of using a health insurance broker at no extra charge.
Why should I use a broker?
Looking for health insurance can be a confusing process. A broker will help you identify and understand the options that best suit your needs, preferences, and budget. We know the industry and the market and can guide you through the process of picking a plan and enrolling in coverage. We’ll help you compare plans and prices with the available insurance carriers and understand your options. A good broker can also serve as your liaison with the insurance company after you buy coverage. Lastly, our service is free for you.
Can I get a better deal with another health insurance broker or by dealing directly with the health insurance company?
No! And don’t let anyone mislead you! Our industry is unique in that the prices are fixed, meaning your plan will cost you the same no matter how or from who you buy it. In fact, the practice of “rebating” an insurance policy is actually illegal. The only way to adjust the price is by adjusting the various plan options.
Can my monthly premium change?
Your monthly price is typically locked in for the year. In a Marketplace plan (Obamacare), your subsidy amount will change if you report an income change. But the baseline premium is set for the year. That said, prices do change year to year, and unfortunately, the baseline prices don’t tend to go down.
What if I use tobacco?
Tobacco use won’t disqualify you from getting health or life insurance, but it you will pay more than you would if you didn’t use it.
What if I have pre-existing conditions?
After the passage of the Affordable Care Act (“Obamacare”), pre-existing conditions are no longer an issue in traditional individual and group health insurance plans. They can make a difference in short-term health insurance plans and certain kinds of non-traditional group health insurance plans.
What is Obamacare?
Like most people, we use the term “Obamacare” as shorthand for health insurance under the Affordable Care Act, which took effect in 2014. We use the term without any political intonations at all. Obamacare is simply the framework that governs traditional individual health insurance plans, both on the government Marketplace and off of it.
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