Let me give some back story before I get to my initial question. I turned 26 in November of last year which unfortunately meant I had to get off of my parents insurance and on to my own. I had originally searched for marketplace insurance as my work insurance was very expensive. I ended up falling in to a MultiPlan type coverage (I understand that is not marketplace insurance) which come to find out is a total scam as it is not true health insurance. I spoke with a licensed health insurance agent last month who got me signed up with a health insurance plan through “Freedom Life Insurance Company, a USHealth Group company” which is supposedly a United Health Care company. My question is, is this a legitimate health insurance company and am I on a health insurance plan now? I’ve been told countless times I can’t sign up for health insurance outside of open enrollment without a qualifying event. However the agent was able to get me signed up where I am now. Any advice or opinions are appreciated.
Link for PDF of current plan(s): https://cdn.ushealthgroup.com/ushealthgroupcom-brochures/Security%20Health%20Advisors/MultiState/PremierAdvantage-IBR-KY-FLIC-100-web.pdf
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