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Billing & PaymentsKeep coverage active and current.

Payments are handled directly by your insurance carrier. Tap any topic to expand.

Update Your Payment Method
Done directly through your carrier's member portal.
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    Log in to your member portal Use the carrier links on the Documents page. Look for "Billing" or "Payments."
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    Add or update your payment information Most carriers accept ACH or credit/debit cards.
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    Confirm autopay is on A missed automatic payment is the most common cause of coverage lapses.

Can't access your portal? Send me a message and I'll help.

Send Message
If a Payment Was Declined
Move quickly. A declined payment starts a grace period.
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    Update your payment method right away Most carriers will retry automatically within a few business days.
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    Call the carrier directly if it's been more than a week Billing issues need a real conversation. Don't rely on email alone.

If you've received a cancellation notice, contact me immediately. There's usually a window to reinstate, but it's tight.

Send Message
Why Did My Premium Go Up?
A few common reasons — most predictable, some fixable.
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    Annual rate increases Most plans raise rates each year at renewal. This is normal.
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    Subsidy change (marketplace plans only) If income increased, your subsidy may have shrunk. Reversible if income is back down.
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    Age band changes Premiums typically increase as you age. Crossing certain age thresholds can cause bigger jumps.
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    If the increase feels too big, let's review Sometimes a different plan suddenly becomes a better deal.

Don't just absorb a big increase. Let's see what's available.

Schedule a Call
About Payments Generally
A few things worth knowing about how billing works.
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    I don't collect premium payments All premiums are paid directly to your carrier. I'm not in the payment chain.
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    Watch the first payment When a new policy starts, the first premium is often required to activate coverage. If you don't see the charge within a few days of enrolling, verify autopay is set up correctly.
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    Autopay is your friend Manual monthly payments are the #1 cause of accidental lapses. Set it up on a card or account you use regularly.