Nic Polanco - USA Benefits Group Health / Life / Senior Insurance

11/07/2025

📣 Attention Everyone on Marketplace (Obamacare) Plans!
2026 is already showing signs of major premium increases — and many families will be hit with sky-high monthly costs if they stay where they are.

Here’s the issue 👇
Most people renew their plan without reviewing new rates… and end up paying more for less coverage.

✅ Premiums keep increasing
✅ Deductibles are higher
✅ Networks are shrinking

And if you don’t actively shop your plan, the Marketplace will automatically re-enroll you — even if the price increases.

But here’s what most people don’t know…

➡️ I work with Private carriers OUTSIDE of the Marketplace
➡️ These plans often include broader coverage, nationwide access, and can save you hundreds per month
➡️ Customized plans — not pre-selected Marketplace renewals

If you’re:

🔹 Self-employed
🔹 Not receiving a subsidy
🔹 Tired of overpaying for limited coverage

…there are better options available.

📲 FREE PLAN REVIEW — No obligations.
Just message me “INFO” or reach out directly:

📞 772-812-6280
📧 npolanco@usabg.net

🌐 usabg.net/npolanco

Don’t wait until renewal hits and your premium jumps.
Be proactive — not reactive.

Your wallet (and peace of mind) will thank you. 💙

USA Benefits Group is a nationwide network of independent health and life insurance professionals that have been serving individuals, small-business owners and the self-employed since 1988. We offer Health Insurance, Critical Illness, Accident Plans, GAP Plans, Dental Plans, Rx Drug Plans, Life Insu...

11/06/2025

Open Enrollment for Obamacare (ACA) is happening now until Jan 7 5th! If rising premiums worry you, let our experts find a plan suited to your needs and budget. Take control of your health coverage today - contact us for personalized assistance and maximize your savings!

➡️npolanco@usabg.net
🔹️Usabg.net/npolanco

11/05/2025

💎 Premium-level coverage – without the inflated ACA price tag
Finally – real health insurance that doesn’t punish you for being successful, self-employed, or remote. Get strong benefits at a smarter, more sustainable cost.

🌎 True nationwide PPO freedom – wherever you go
Work from anywhere, travel often, or move states with ease. Access a trusted national PPO network and choose the doctors you want without referrals.

🩺 $0 preventive care + unlimited $0 telehealth – stay healthy, stay remote
Free annual checkups, routine screenings, vaccines – plus unlimited virtual visits at no cost. Protect your time and wellbeing.

💰 Flexible, low-deductible options – designed around you
Pick from several affordable deductible choices so you can customize your plan for comfort, cost, and peace of mind.

📋 Straightforward, predictable costs – no surprises
No confusing insurance math or hidden fees. Clear copays for doctor visits, labs, imaging, prescriptions, and urgent care – so you always know what to expect.

➡️Npolanco@usabg.net

11/03/2025

🚨 Marketplace Premiums Are Skyrocketing… But There Are Solutions 🚨

If you’ve noticed your health insurance premiums going way up this year, you’re not alone. Many carriers have raised rates, and a lot of families are feeling the impact.

But here’s the good news — you do NOT have to settle for that.

As an Independent Health Broker, I have access to multiple carriers and plan options that most people don’t see on their own. That means I can:

✅ Compare your current plan
✅ Look for new carriers entering your zip code
✅ Find options that lower your monthly premium
✅ Make sure your doctors & medications are still covered

You deserve coverage that works for you — not against your budget.

If your premiums jumped this year, message me or comment “HELP” and I’ll run a free review. No pressure. Just solutions.

👉 Nic Polanco – Independent Health & Medicare Broker
📧 NPolanco@usabg.net
📱 772-812-6280
🌐 usabg.net/npolanco

Let’s get you back in the Best position 💪🇺🇲

USA Benefits Group is a nationwide network of independent health and life insurance professionals that have been serving individuals, small-business owners and the self-employed since 1988. We offer Health Insurance, Critical Illness, Accident Plans, GAP Plans, Dental Plans, Rx Drug Plans, Life Insu...

10/31/2025

Do you know the difference between all these network types?

You’re not alone if you find it confusing! Each network works differently, and understanding your options can help you make the most of your healthcare coverage.

Check out the chart below for a quick breakdown, and call "Nic before you get sick", to go over what’s best for your situation. I'm here to help! 💙

10/22/2025

.🚨 Open Enrollment is Almost Here! 🚨

It’s more important than ever to have an agent on your side. The Marketplace is undergoing major changes for 2026, including carrier departures and the possible expiration of enhanced subsidies that have kept plans more affordable for many families.

If your application isn’t updated, you could risk losing coverage next year or face a large premium. Don’t wait until it’s too late — contact your agent today (and if you don’t have one, I’d be honored to represent you).

Let’s make sure you and your family stay protected through one of the biggest health insurance changes of the decade. 💪

📞 (772) 812-6280
Health, Medicare & Life Insurance Broker
📧 npolanco@usabg.net
🌐

USA Benefits Group is a nationwide network of independent health and life insurance professionals that have been serving individuals, small-business owners and the self-employed since 1988. We offer Health Insurance, Critical Illness, Accident Plans, GAP Plans, Dental Plans, Rx Drug Plans, Life Insu...

10/11/2025

☕️ Saturday Morning Reminder!
Medicare Annual Enrollment Period is here — October 15th to December 7th! 🎯

This is the time to review your current Medicare plan, compare your options, and make sure you’re getting the best coverage for your needs. Even if you’re happy with your plan, things change every year — premiums, drug costs, and benefits can all shift.

I make the process simple, stress-free, and personal. Let’s find the plan that fits you best! 💙

📞 Nick Polanco – Independent Health, Life & Medicare Broker
📲 772-812-6280
📧 npolanco@usabg.net
🌐 https://usabg.com/npolanco

Helping you find peace of mind — one plan at a time. 🙌

USA Benefits Group is a nationwide network of independent health and life insurance professionals that have been serving individuals, small-business owners and the self-employed since 1988. We offer Health Insurance, Critical Illness, Accident Plans, GAP Plans, Dental Plans, Rx Drug Plans, Life Insu...

10/07/2025

💡 Ever wonder how Marketplace subsidies actually work?

When you apply for coverage through the Health Insurance Marketplace, the system checks your income and household size to see if you qualify for financial help — also known as a premium tax credit (subsidy) 💰

Here’s what that means for you:
✅ The government helps pay part of your monthly premium.
✅ The subsidy goes directly to your insurance company, so your monthly cost is instantly lower.
✅ You only pay the remaining balance after the subsidy is applied.
✅ At tax time, the IRS makes sure everything lines up with your actual income.

👉 In short, subsidies make quality health coverage affordable for individuals and families — so you can get the protection you need without breaking the bank.

If you’d like to see how much of a subsidy you qualify for (and what your true monthly cost would be), message me today! I’ll walk you through your options step by step.

—
Nic Polanco
Licensed Health Insurance Agent
📞 (772) 812-6280
npolanco@usabg.net
NP Health Solutions

10/05/2025

💡Most people only think about their health insurance once a year — and that time is now.

From Medicare’s Annual Enrollment (Oct 7 – Nov 15) to Open Enrollment for under 65 (Nov 1 – Dec 15), my job isn’t just to sell you a plan...it’s to make sure you actually understand your options and choose coverage that truly fits your life.

No call centers. No pushy sales. Just real guidance from someone who cares about helping families make smart, confident decisions.

📞 (772) 812-6280
📧 npolanco@usabg.net
💻 usabg.com/npolanco

Let’s review your coverage together — before the deadlines hit. 🇺🇸

10/01/2025

I love receiving these kind of messages from my clients. I'd say she is happy with her new coverage and benefits😉

07/30/2025

Be honest…
What unexpected situation stresses you out more?

A) A surprise car repair 😩
B) A $20,000 medical bill 😱
C) A random call from your ex 😬📞

Personally, I’ll take the ex — at least they don’t send a bill 😂

But if B makes your stomach drop, I’ve got you.
I help people avoid big medical surprises with smart, affordable coverage.

💬 DM me
📧 Npolanco@usabg.net
🌐 usabg.net/npolanco

Let’s keep your stress level low — and your money where it belongs.

USA Benefits Group is a nationwide network of independent health and life insurance professionals that have been serving individuals, small-business owners and the self-employed since 1988. We offer Health Insurance, Critical Illness, Accident Plans, GAP Plans, Dental Plans, Rx Drug Plans, Life Insu...

07/24/2025

Greetings! I'm Nic, a Medicare insurance agent dedicated to serving your local area. Medicare is my area of expertise, and I'm committed to helping you pinpoint the most suitable plan for your individual needs and budget. I'II handle research and comparison of plans from top national and local companies, so you can relax. Plus, my assistance comes at absolutely no cost to you. Reach out to me today to discuss your Medicare insurance possibilities.
➡️Npolanco@usabg.net
️➡️usabg.com/npolanco