Health coverage
without the guesswork.
Explained clearly.

I left my job in March, nowhere near open enrollment. I assumed I was stuck with COBRA at $840 a month. The call took eleven minutes and I understood my options for the first time.

My daughter has asthma, so that was my first question. He answered it straight instead of dodging it, then told me exactly what underwriting would ask.

He worked out that my income qualified me for a marketplace subsidy and told me to take that instead. He didn't make a cent off me. That's why I sent my brother here.

Three assignments in two years across two states. My old plan's network ended at the county line. A nationwide PPO meant I stopped rebuilding my care team every contract.

I run a two-person shop. Too small for a group plan, too busy to read forty pages of benefit summaries. Someone read them for me and then explained the three that mattered.

Commission income made the subsidy estimator useless — every month was a different answer. He priced it on what I actually earn instead of a number I had to guess at.

What sold me was the sentence 'you probably shouldn't do that.' I'd called four places that week. He was the only one who talked me out of anything.

I work restaurant hours, so I expected to be chasing someone for a week. One call, at the time we agreed, from the person I'd already spoken to.

My deductible was the whole problem — $6,000 before anything paid out. He showed me what changing the network preference did to it, and what it cost me elsewhere.

I gave my number expecting it to be sold nine times over. One advisor called. Nobody else ever did. That alone was worth the five questions.

We were on my husband's plan until his hours were cut. I thought we had to wait until January. Turns out losing that coverage is its own qualifying event.

Type 2 diabetes, diagnosed six years ago. I'd been offered nothing but refusals. He was honest that it would affect the price, and then found something that worked anyway.

I left my job in March, nowhere near open enrollment. I assumed I was stuck with COBRA at $840 a month. The call took eleven minutes and I understood my options for the first time.

My daughter has asthma, so that was my first question. He answered it straight instead of dodging it, then told me exactly what underwriting would ask.

He worked out that my income qualified me for a marketplace subsidy and told me to take that instead. He didn't make a cent off me. That's why I sent my brother here.

Three assignments in two years across two states. My old plan's network ended at the county line. A nationwide PPO meant I stopped rebuilding my care team every contract.

I run a two-person shop. Too small for a group plan, too busy to read forty pages of benefit summaries. Someone read them for me and then explained the three that mattered.

Commission income made the subsidy estimator useless — every month was a different answer. He priced it on what I actually earn instead of a number I had to guess at.

What sold me was the sentence 'you probably shouldn't do that.' I'd called four places that week. He was the only one who talked me out of anything.

I work restaurant hours, so I expected to be chasing someone for a week. One call, at the time we agreed, from the person I'd already spoken to.

My deductible was the whole problem — $6,000 before anything paid out. He showed me what changing the network preference did to it, and what it cost me elsewhere.

I gave my number expecting it to be sold nine times over. One advisor called. Nobody else ever did. That alone was worth the five questions.

We were on my husband's plan until his hours were cut. I thought we had to wait until January. Turns out losing that coverage is its own qualifying event.

Type 2 diabetes, diagnosed six years ago. I'd been offered nothing but refusals. He was honest that it would affect the price, and then found something that worked anyway.