How we can help
Some people want the cheapest plan.
Others want the best network.
Most want the best balance.
We’ll help you find yours.
Individuals & Families
Health Coverage That Fits Real Life
Health insurance can feel overwhelming—especially when your income, job, or family situation isn’t straightforward. We help individuals and families understand their health options, compare plans clearly, and choose coverage that actually works for their lives.
ACA Marketplace Guidance (Plain English)
We walk you through ACA Marketplace plans step-by-step, explaining costs, networks, and subsidies without jargon or pressure.
Clear explanations of what you’re paying and why
Help estimating subsidies based on your situation
Guidance when income or household size changes
Coverage for Life Changes
Job changes, self-employment, moves, marriage, kids, or losing coverage can all trigger new options. We help you navigate those moments without stress or guesswork.
Help determining eligibility for Special Enrollment
Fast support when timing matters
Fewer mistakes that can cause gaps in coverage
Plan Comparisons That Actually Matter
Instead of just showing prices, we look at what affects your real experience—like doctor access, prescriptions, deductibles, and out-of-pocket exposure.
Fewer surprises after enrollment
Plans that fit how you actually use healthcare
Confidence in your choice
Optional Supplemental Coverage (When It Makes Sense)
For some people, adding protection like accident, hospital, or critical illness coverage can reduce financial stress. For others, it’s unnecessary. We’ll be honest about both.
No pressure to “bundle” coverage
Clear explanation of when add-ons help
Protection tailored to your risk tolerance
Help After You Enroll
Our role doesn’t end once you’re signed up. We stay available for questions, plan changes, and support throughout the year.
A real person to contact—not a call center
Help when doctors, income, or prescriptions change
Guidance during renewals and life events
A Broker That’s Here For You
We’re here for you whatever may come, so feel free to reach out anytime for your individual health insurance. You should have someone that’s rooting for you, and helping you through the hard choices.
Let’s talk through your options. A short call is often all it takes to get clarity - no obligation, no pressure.
Best Fit For: Individuals and families buying their own coverage | Self-employed or 1099 workers | People between jobs or newly insured | Anyone who wants clarity instead of sales pressure
Business Owners
Smarter Benefits Without Adding Payroll Headaches
Offering benefits shouldn’t mean higher fixed costs, complicated administration, or confused employees. We help business owners implement benefit strategies that support their team while keeping payroll, cash flow, and compliance in mind.
Benefits That Don’t Inflate Your Overhead
We help businesses add meaningful employee benefits without locking into expensive, long-term employer-sponsored plans that strain cash flow.
Flexible benefit structures, including options with no required employer contribution.
Predictable costs instead of open-ended renewals
Benefits employees actually understand and use
Payroll-Friendly, Compliance-Aware Setup
Our benefit structures are designed to work alongside your existing payroll provider—no switching systems, no added admin burden.
Minimal disruption to payroll operations
Clear documentation and clean implementation
No need to retrain staff or change providers
Employee Benefits That Feel Like a Win
Instead of “one-size-fits-all” plans, employees can choose voluntary benefits that improve their situation—while keeping your role simple.
Higher participation and satisfaction
Less confusion during onboarding
Fewer HR-style questions landing on your desk
Wellness-Driven Benefit Structures
We support wellness-based benefit programs that align employee engagement with allowable tax-advantaged frameworks.
Benefits tied to participation, not waste
Easier justification for offering benefits
Improved employee perception of company support
Voluntary Benefits That Support Retention
Whole life, dental, vision, accident, critical illness, short term disability and more can provide real protection for employees—without increasing your fixed payroll expenses.
Zero employer-paid premiums
Stronger retention and morale
A safety net employees value during real-life events
Ongoing Support as Your Business Grows
As employees come and go—or as your business evolves—we remain available to adjust benefits, answer questions, and keep everything aligned.
Let’s see if this makes sense for your business. A short conversation is usually enough to determine fit - no pressure, no obligation.
Best Fit For: Small and mid-sized businesses | Owners who want benefits without complexity | Teams priced out of traditional group plans | Businesses focused on retention without overcommitting
Payroll & Benefits Providers
Strategic Benefits Implementation & Support
We partner with payroll and benefits providers to help their client businesses add compliant, employee-friendly benefits that integrate cleanly with payroll—without increasing administrative burden or employer cost.
Section 125 & Pre-Tax Benefit Integration
We help implement compliant pre-tax benefit structures that allow employees to pay for eligible benefits with pre-tax dollars—reducing taxable payroll while fitting seamlessly into existing payroll systems.
Adds measurable savings without changing payroll providers
No disruption to current payroll workflows
Clean implementation with clear documentation
Enhances your benefits offering without expanding your internal team
Positions you as proactive, not just administrative
Helps clients justify benefits beyond “insurance for insurance’s sake”
Wellness-Based Benefit Programs
We support the rollout of wellness-driven benefit structures designed to improve employee engagement while aligning with allowable tax-advantaged frameworks.
Voluntary & Supplemental Benefit Access
We coordinate voluntary benefits—such as whole life, dental, vision, accident, critical illness, and related coverage—giving employees meaningful options without increasing employer premium costs.
Zero employer contribution required
Improves employee satisfaction and retention
Reduces pressure on core group health plans
Ongoing Support After Implementation
Benefits don’t stop after setup. We remain available for plan questions, employee life events, and ongoing benefits administration support as businesses grow.
Reduced post-implementation workload
Clients feel supported year-round
Stronger retention for your payroll platform
White-Label & Referral-Friendly Partnerships
We work behind the scenes or alongside your team—your choice. Our approach is designed to strengthen your client relationships, not compete for them. Work with us and you’ll gain a partnership focused on building business together.
Let’s explore whether this fits your clients. A short conversation is usually enough to see if there’s value - or if it’s not a fit at all.
Best Fit For: Payroll providers | HR & benefits consultants | PEOs and ASOs | Accounting firms offering payroll services | Software-based benefits platforms
Frequently Asked Questions
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Short answer - no. Our consultations are free, and any services you decide on will be set up directly with the carrier of your choice.
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Payments are contracted directly between our participating carriers and us, paid on the back-end of any sales.
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100% yes - ACA Marketplace plans are built for those who are self employed, and our licensed brokers would love to help guide you in the right direction.
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In case of income change for individual and family plans we would want to set up another call to make sure these changes are disclosed. This may change premium amounts to carriers as well but must be reported following CMS and Federal Marketplace guidelines.
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Yes this is standard on our first call to make sure we get you the coverage you need.
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Of course: Benefits for businesses are custom tailored based on your individual situation. It doesn’t matter if you have five employees or five thousand - we have options for you.
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Simple answer - we are always here to help. You can reach out to us at any point with any post enrollment questions you have and we will respond promptly to help your unique situation.
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Getting started is simple. Reach out through our contact form or schedule a call—we’ll walk you through the next steps and answer any questions along the way.
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We combine a thoughtful, human-centered approach with clear communication and reliable results. We are here to help people first and foremost - this reflects in how we do business.
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You can reach us anytime via our contact page or email. We aim to respond quickly—usually within one business day.
You can also reach out via our customer service number at (614) 965-1372 and leave a voicemail or text if we do not respond right away.