A well-meaning friend circulated an email about an out of state insurance agent (she’s “presently working on getting her WI license”) who had quoted health insurance coverage for $1,200/month with a $1,000 deductible (including spouse and four kids).

His local agent had quoted plans that, again in his own words, “were all over $2,000/month with $8,000 deductibles.” “One quirky thing is having to take a 15-minute survey once a month.” (That’s a new one!)

Oh, and the policy had multiple limitations; e.g., surgery capped at $25,000.

Any red flags here?

Gee, if my Homeowners/Auto coverage had caps of $150,000 and $15,000 respectively, I’ll bet the premium would be a lot lower, too.

Consider all the ads running promising similar great deals.

Do those ‘deals’ include pre-existing conditions limitations? Policy limits? A phone number that includes ‘BIBLE’?

For coverage effective 1/1/’26, the Marketplace (Obamacare) Open Enrollment Period ends tomorrow. But if you’ve been hoodwinked into a bad deal, you can switch plans until 1/15, for a 2/1/’26 effective date.

Here’s another red flag.

Your agent’s name is Elmer Gantry!