Welcome to LifeCare Agents!

Broker services for Health Insurance, and more

We will help you find the right coverage for any of your health insurance needs. Now offering even more services.

* Licensed Brokers for Health Insurance in New York, Texas, Florida, New Jersey, Michigan and South Carolina.

By failing to prepare, you're preparing to fail.
~ Benjamin Franklin

Why Choose LifeCare Agents?

🔹 Licensed & Experienced Brokers – We specialize in ACA enrollments in NY, TX, FL, NJ, MI and SC.
🔹 We Work with Top Carriers – MetroPlus, United Healthcare, EmblemHealth, Ambetter, Aetna, Oscar & more.
🔹 Hassle-Free Enrollment – We complete your aplicatioon, so you don’t have to.
🔹 Affordable Plans – Find options that fit your budget and needs.

How we help?

🔹 Step 1: Get in Touch – Fill out our form or call us for a free consultation.
🔹 Step 2: Compare Plans – We’ll help you review the best ACA plans in your area.
🔹 Step 3: Enroll with Ease – We handle the application process so you can get covered stress-free.

Frequently Asked Questions (FAQ)

📌 Who qualifies for ACA plans?

✅ ACA plans are available to U.S. citizens, nationals, and certain lawfully present immigrants living in the U.S.
✅ There are no health requirements—you cannot be denied coverage due to pre-existing conditions.
✅ Eligibility for subsidies (financial assistance) depends on household income. Many individuals and families qualify for lower monthly premiums or even $0 premium plans.

📌 When is the ACA enrollment period?

🗓 Open Enrollment Period (OEP) – Runs from November 1 to January 15 each year. This is the main time when you can enroll in or change plans. (In some states this period may vary slightly)
🛑 Missed Open Enrollment? You may still qualify for a Special Enrollment Period (SEP) if you experience life events like:
🔹 Losing employer coverage
🔹 Moving to a new state
🔹 Getting married or divorced
🔹 Having a baby or adopting a child

💡 Not sure if you qualify? Contact us, and we’ll check your eligibility for free!

📌 How much does health insurance cost under ACA?

💰 The cost of ACA plans varies based on your income, location, and family size. Many people qualify for subsidies that reduce or eliminate their monthly premiums.

👉 For example:

A single adult earning $30,000/year may qualify for a plan with low monthly costs and minimal copays.
A family of four with an annual income of $60,000 may qualify for substantial subsidies, making their plan more affordable.

🔹 We work with you to find the most affordable options based on your situation. Get a free quote today!

📌 Can I keep my current doctor?

✅ Many ACA plans include large networks of doctors, specialists, and hospitals.
✅ If you have a preferred doctor, we can check which plans include them in their network.
✅ We will guide you to choose a plan that fits your needs, whether it’s HMO, PPO, or EPO coverage.

💡 Need help finding a plan that includes your doctor? Reach out to us today!

📌 What if I already have Medicaid or Medicare?

✅ If you qualify for Medicaid, you may not need an ACA plan, but we can still help you explore options.
✅ If you are 65+ and on Medicare, ACA plans do not apply to you, but you may be eligible for Medicare Advantage or Supplement Plans.

📞 Not sure if you need an ACA plan or another type of coverage? Call us for a free consultation!

💬 Still Have Questions? We’re Here to Help!

If you didn’t find the answer you were looking for, contact LifeCare Agents today! We provide free, no-obligation consultations to help you understand your options and make the best choice for your health and budget.

🔹 📞 Call Us: (347) 283 – 8719
🔹 📩 Email: info@lifecareagents.com
🔹 💬 Live Chat Available

🚀 Get Covered with Confidence – Let’s Find Your Perfect Plan Today!

Heath Insurance

Health insurance is a vital financial safety net that helps cover the cost of medical care, protecting individuals and families from the high expenses of doctor visits, hospital stays, medications, and emergency treatments. It provides access to essential healthcare services, ensuring you can receive timely care without worrying about overwhelming bills. Having health insurance promotes preventive care, like regular check-ups and screenings, which can detect health issues early and reduce long-term risks. It also offers peace of mind, knowing you’re prepared for unexpected medical events and can prioritize your health without financial stress.

Life Insurance

Life insurance is a crucial financial tool that provides peace of mind and security for your loved ones. In the event of your passing, it offers a financial safety net to cover expenses like funeral costs, outstanding debts, and daily living needs. Life insurance ensures your family can maintain their standard of living, pay for future goals like education, and handle unforeseen financial burdens. By having life insurance, you’re protecting your family’s financial stability and offering them the support they need during difficult times.

What we do

How can we help you today?

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* Consultation session is free of charge and for informational purposes only. Speak to an attorney and/or accountant for any legal and financial advice before making any decisions.