Find the right coverage for you, your family, or your business.
Six kinds of coverage, 40+ carriers, one licensed broker who explains the trade-offs in plain English.
What I cover
Medical
Major medical for individuals and families. Private PPO and short-term options alongside Marketplace (ACA) plans with subsidies applied.
Dental
Standalone dental with preventive care covered from day one. Add on to any medical plan or buy on its own.
Vision
Annual exams, frames and contacts with in-network allowances. Often bundled with dental for a few dollars more.
Life
Term and whole life to protect the people who depend on your income. Quick-issue policies with no medical exam for most applicants.
Critical illness
A lump-sum cash benefit if you are diagnosed with cancer, heart attack or stroke. Pays you directly, spend it on anything.
Accidental
Cash for ER visits, fractures and hospital stays after an accident. Fills the gap a high deductible leaves behind.
Private vs. Marketplace (ACA)
Most families are a clear fit for one or the other. I run both for you and show the real monthly cost of each.
Private insurance
Year-round enrollment, nationwide PPO networks.
- Enroll any month, no open-enrollment window
- Broad PPO networks that travel across state lines
- Priced on age and health, often lower for healthy households
- Best when you do not qualify for a subsidy
Marketplace (ACA)
Guaranteed issue, with tax credits that can cover most of the premium.
- No medical questions, pre-existing conditions covered
- Premium tax credits based on household income
- Cost-sharing reductions lower deductibles for many families
- Enroll Nov 1 to Jan 15, or any time after a qualifying life event