A recent client, Megan, was referred to me by a client that I had helped a little over a year ago. She was unhappy with her previous health coverage and wanted to change. I asked her what she had previously, why she was disappointed with it, and what she wanted to do differently. She told me that her previous coverage was through the ACA Marketplace and she didn't qualify for any income-based savings, so it was costly with a high deductible and limited HMO coverage. Her friend referred her to me because I had previously helped her get a plan off of the Marketplace that can offer better coverage at lower rates because of an underwriting process. I was able to help Megan do the same and now she has a plan at a rate she is satisfied with that also has great benefits as well.