A real human guiding you through ACA plans, private coverage, and supplemental options. No call centers, no robo-quotes, no surprise gotchas — just clear advice from someone who's licensed in your state and answers your calls.
Not every family fits the marketplace mold. Whether you qualify for subsidies, earn too much for them, or just need temporary coverage — there's a real plan out there for you. Let me show you what's available.
The familiar healthcare.gov-style plans with subsidies for families that qualify based on income. Comprehensive coverage with the protection of essential health benefits.
For healthy individuals and families who earn over 400% of the Federal Poverty Level — meaning ACA subsidies don't apply. There are real, affordable, comprehensive options you may not know about.
Between jobs? Aged off a parent's plan? Waiting for ACA enrollment? Or looking to layer extra protection? Short-term medical and supplemental policies fill the gaps that major medical leaves behind.
If your household earns above ~$60,240 (single) or ~$124,800 (family of four), you no longer qualify for ACA subsidies. Most agents either push you into a full-price marketplace plan or shrug and walk away.
I do something different. There's a whole world of off-marketplace and private health insurance designed specifically for healthy individuals and families in your income bracket — often at half the cost of an unsubsidized ACA plan, with comparable or better coverage.
Show me my optionsof full-price ACA plans for healthy applicants
major medical, prescriptions, hospital, urgent care
not a healthcare.gov maze or anonymous call center
Getting honest health insurance guidance shouldn't take three weeks and seventeen forms. Here's the whole process — from "I need help" to "I'm covered."
A short form (or a quick phone call) — household size, ages, rough income, any specific concerns. No commitment, no pressure.
I run real numbers across ACA, off-marketplace, and supplemental options for your situation, then I sit down with you and explain trade-offs in plain English.
You pick what fits. I handle enrollment, paperwork, and any questions that come up later — claims, billing, ID cards, the whole deal. Year-round, not just at signup.
Health insurance shouldn't feel like decoding a foreign language while sitting on hold for forty minutes.
I started this because I watched too many friends and family members get stuck with bad coverage — either because they didn't qualify for subsidies and gave up, or because they got pushed into the wrong plan by an agent chasing a quota. There's a better way.
I work for you, not a single carrier. I get paid by the carrier when you enroll, so my service costs you nothing. I'll shop the whole market, explain the trade-offs honestly, and stick around all year — for renewals, claims questions, life changes, whatever. You'll have my direct line.
Share a few quick details and I'll personally respond within one business day with a tailored set of options. No spam, no shared lead lists, no high-pressure sales calls. Just real numbers and real plans.
I'll personally follow up within one business day. In the meantime, feel free to call me direct at 636-497-2680.