About Us

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When can I buy health insurance?

The health insurance Open Enrollment Period is November 1, 2025, to January 15, 2026. You can still get insurance outside of these dates if you have had a qualifying life event such as turning 26, losing employer coverage, adding a dependent or loving.

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What is life insurance and do I need it?

Life insurance is a contract between you and an insurer where you pay premiums in exchange for a guaranteed tax-free payout (death benefit) to anyone who is dependent on you, upon your death. It provides financial security by replacing lost income, paying off debts and covering funeral costs so your loved ones don’t have to if you pass away.

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What is the difference between HMO and PPO plans?

The two biggest differences are referrals and network flexibility. HMOs require referrals and restrict you to in-network providers. PPOs require neither, but cost more. Which is better depends on your situation. If you want lower costs and have one primary doctor you trust, an HMO may be the right fit. If you have multiple specialists or want maximum flexibility, a PPO can be worth the higher premium.

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How do I get Obamacare?

Affordable Care Act insurance is also called “Obamacare.” To get it you must apply during the annual Open Enrollment period November 1, 2025, to January 15, 2026, or via a Special Enrollment Period if you have had life changes. You will need to provide household income and personal information to check for premium subsidies and select a plan.

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How do I get Medicare?

Most people are automatically enrolled in Medicare Parts A and B when they turn 65, provided that they are already receiving Social Security. If you’re not receiving Social Security, you’ll need to actively sign up through Social Security online at ssa.gov, by calling 1-800-772-1213 or by visiting your local Social Security office. The Stern Team can walk you through the process and help you avoid costly enrollment mistakes.

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Is the Stern Team insurance group hiring?

Yes. The demand for health insurance and Medicare is especially high right now, and we are always looking for positive, detailed-oriented individuals to help serve Northern Virginians. Contact us or apply now at HealthMarkets.com if you are interested in learning more about becoming a Licensed Insurance Agent.

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What’s HealthMarkets?

Yes. HealthMarkets was founded in 1983 and is one of the largest independent insurance agencies in the United States. It offers a free, technology-driven platform to browse health, Medicare, life, and supplemental insurance plans from more than 250 insurance companies. The Stern Team operates as part of the HealthMarkets network, which means our clients benefit from the resources of a national organization combined with the personal service of a local Northern Virginia team.