Welcome FHRM Agents!

Affordable health insurance for your small business!

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Frequently Asked Questions

Are there excluded pre-existing conditions?

No. There are NO excluded pre-existing conditions.

Is there a waiting period?

Your coverage can start as soon as the first of the month following your sign up. For example, sign up in July, and coverage starts August 1st.  

Can I add my spouse and/or family?

Yes. You can add a spouse, child(ren), or the entire family. IF you choose the family plan, all children under 26 are included.

When could rates change?

Rates are locked in until January 1st of each year.