Question 1

Is eMavio an insurance company or the government?

Accepted Answer

No. eMavio is a marketing and lead-generation platform. We are not an insurance company, agent, broker, or government agency, and we are not affiliated with or endorsed by any insurance carrier, the U.S. government, the federal Medicare program, Medicaid, the Health Insurance Marketplace, or HealthCare.gov. All quotes, eligibility decisions, and enrollments are handled by independent, state-licensed insurance agents in our network.

Question 2

Is eMavio free for consumers?

Accepted Answer

Yes. Comparing plans and speaking with a licensed independent agent through eMavio is always free. Agents are paid commissions by the insurance carriers — the same commission is built into the plan whether you go through eMavio or not. eMavio itself does not sell insurance and does not charge consumers.

Question 3

How does eMavio find the best plan for me?

Accepted Answer

You answer a short questionnaire about your household, health, budget, and preferences. We use that information to match you with an independent, state-licensed insurance agent who works with plans that may fit your situation — ACA marketplace, Medicare, self-employed, family, and more. The licensed agent — not eMavio — quotes plans, checks eligibility, and enrolls you. Plan availability, pricing, and provider networks vary by state and ZIP code, and no specific plan or savings is guaranteed.

Question 4

What's the difference between ACA, Medicare, and short-term plans?

Accepted Answer

ACA (Marketplace) plans are comprehensive, comply with the Affordable Care Act, and may qualify for income-based premium tax credits (subsidies). Medicare is a federal program for people 65+ or with certain disabilities — eMavio is not part of Medicare and does not offer every plan available in your area. Short-term plans are temporary, may be cheaper, and are not required to cover pre-existing conditions or essential health benefits — they're meant for coverage gaps only. A licensed agent can explain which plan type fits your situation.

Question 5

Will my pre-existing conditions affect my coverage?

Accepted Answer

On ACA marketplace and most employer plans, no — insurers cannot deny you or charge more for pre-existing conditions. On short-term and some other non-ACA plans, they often can. Your licensed agent will explain how each plan type treats pre-existing conditions in your state.

Question 6

When can I enroll?

Accepted Answer

ACA Open Enrollment usually runs Nov 1 – Jan 15 each year. Outside of that window, you can generally enroll only with a Special Enrollment Period — triggered by life events like losing job-based coverage, moving, getting married, or having a baby. Medicare has its own enrollment windows tied to your 65th birthday and other qualifying events. Dates and rules can change — a licensed agent will confirm what applies to you.

Question 7

How is my information used? Do you sell my data?

Accepted Answer

We do not sell your information to data brokers. When you submit the questionnaire and give TCPA consent, your contact information is shared with the specific licensed agent(s) we match you with so they can contact you about health-insurance options — by phone (including autodialed or prerecorded calls and SMS), email, or mail, at the numbers and addresses you provided, even if they are on a Do Not Call list. Consent is not a condition of purchase. You can opt out at any time. See our Privacy Policy, Terms, TCPA consent, Do Not Call, and Do Not Sell or Share pages for full details.

Question 8

How long does it take to get matched?

Accepted Answer

The questionnaire takes about 60 seconds. A licensed agent in your state typically reaches out within one business day, often the same day. Response times vary by state, coverage type, and time of year.

Question 9

What if I'm on Medicaid or Medicare already?

Accepted Answer

Let us know on the questionnaire. We'll match you with a licensed agent who works with Medicaid renewals, Medicare Advantage, or Medicare Supplement — depending on what fits your situation. eMavio is not connected with or endorsed by the federal Medicare program or any state Medicaid agency, and the agent you speak with does not offer every plan available in your area.

Question 10

Are the savings and wait-time numbers on this site guaranteed?

Accepted Answer

No. Any savings, subsidy estimates, response times, ratings, or plan counts shown on eMavio are averages or marketing estimates, not a guarantee of your specific experience, plan, or price. Your actual eligibility, premium, and benefits depend on your state, ZIP code, household size, income, age, health, and the plans available at the time you enroll — all of which are confirmed by the licensed agent, not by eMavio.

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