A lot can change in a year—your job, your income, your health, or even where you live. But one thing too many people forget to check? Their health insurance. The policy that worked for you 12 months ago might not be the right fit anymore. If you don’t review it annually, you could be stuck paying too much—or worse, not getting the coverage you actually need.
This is where a trusted expert can help. A Healthcare Insurance Consultant in Illinois, or any of the 32 states where services are offered, can make sure your policy still fits your life. Because the truth is, health insurance isn’t a “set it and forget it” type of deal.
Why You Should Review Your Plan Every Year?
Your life isn’t static—and neither is the health insurance market. Every year, insurance companies adjust their premiums, provider networks, and covered services. What was a great plan last year could be overpriced or stripped of key benefits this year.
Here are a few reasons why an annual review is a must:
- Changes in income can affect your eligibility for subsidies.
- Your health needs may shift—maybe you started a new medication, got diagnosed with a condition, or need access to specialists.
- Provider networks evolve—your favorite doctor may no longer be in-network.
- Life events like getting married, divorced, having a baby, or moving states can all impact your eligibility or ideal coverage.
If you’re self-employed, a contractor, a trucker, or a nurse constantly on the move, these changes matter even more. That’s why Health Insurance Consulting works with clients under 65—people whose situations don’t always fit the cookie-cutter model.
What a Review Actually Looks Like?
You don’t need to bring a binder full of paperwork or spend hours on the phone. A review with a Healthcare Insurance Consultant in Illinois or any other supported state is fast and painless. Here’s what usually happens:
- You share your current plan info and any life changes. That includes changes in income, household size, health conditions, or where you live.
- They run a comparison. The consultant checks your existing plan against new options—both public and private.
- You get real advice. No pressure. Just a clear breakdown of your best options based on your needs and budget.
At Health Insurance Consulting, Thomas Andrews and his team have helped thousands of clients save money or gain better coverage just by doing a quick review.
Real-Life Example
Say you’re a 1099 contractor in Illinois who picked a decent plan last year with a $450 monthly premium. This year, your income dropped, and you’ve been paying that same premium—without realizing you now qualify for a lower-cost plan with better coverage and a government subsidy. A quick call to a Healthcare Insurance Consultant in Illinois could’ve saved you hundreds.
That’s not just theory—it happens all the time.
Don’t Wait for a Crisis to Make a Change
Too many people only review their health insurance when something goes wrong. They get a surprise bill. Their prescription suddenly isn’t covered. Or they show up at the doctor’s office only to learn their provider is now out of network.
An annual review is your chance to get ahead of those headaches. It gives you control over your plan—not the other way around.
Services Available Across 32 States
No matter where you are—Louisiana, Florida, Texas, Missouri, or any of the 32 supported states—Health Insurance Consulting has licensed advisors who understand the rules and plans available in your area. State laws vary, and so do plan offerings. A local expert can help you avoid pitfalls and take advantage of opportunities specific to your region.
Who Should Be Doing These Reviews?
Health Insurance Consulting focuses on people who often get left behind in traditional employer-sponsored insurance setups:
- Small business owners trying to balance cost and coverage.
- Traveling nurses who need multi-state flexibility.
- Truckers who are always on the move.
- 1099 contractors who don’t get workplace benefits.
If that sounds like you, a yearly review isn’t just smart—it’s essential.
FAQs
Q: Can I change my plan if it’s not Open Enrollment?
Yes—if you qualify for a Special Enrollment Period due to life changes like job loss, marriage, or moving.
Q: Will a review cost me anything?
Nope. Reviews are free and come with no obligation to switch plans.
Q: What if I like my plan but want to be sure it’s still competitive?
A consultant can compare your plan to new options to confirm you’re still getting a solid deal.
Final Thoughts
Health insurance is too important—and too expensive—to set and forget. Even small changes in your life can make a big difference in what you should be paying and the coverage you need. An outdated policy could cost you more than just money—it could limit your care, too.
By working with a trusted Healthcare Insurance Consultant in Illinois or anywhere across the 32 supported states, you get expert eyes on your plan—and a chance to upgrade without the usual hassle. At Health Insurance Consulting, Thomas Andrews and his team make it simple, smart, and stress-free.
So don’t wait for a surprise bill to tell you your plan is out of date. Get your free review today, and take back control of your coverage.
