Find multiple quotes from major providers for individual and family health insurance plans

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Do you really need health insurance? The answer is – yes! We've all heard horror stories about people who go into the hospital and leave with a mountain of medical bills. Health insurance has a reputation for being confusing and expensive, but the fact is that it can be the only thing preventing you from financial disaster. There are tons of options when it comes to health insurance. But how do you know what health insurance is right for you? We will help you zero in on the best fit for you!

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Supplemental Coverage

Who will help cover your expenses when a health event occurs, like deductibles, copays, coinsurance, ambulance rides and other medical expenses not covered by traditional health insurance? What about non-medical expenses like lost time off work with no paycheck and your continuing monthly obligations such as rent, mortgage, groceries, utilities, car payments, ect. Who will pay? Supplemental insurance pays cash benefits directly to you over and above any other insurance you may have to help you offset these out-of-pocket expenses. We can help. We have your supplemental coverage solutions.

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Employee Health Plans & Benefits

As healthcare costs rise continuously, coverage for workers and their families has become a huge selling point to attract high-quality applicants and keep your top talent working for you. Employees with better benefits are more likely to feel valued and that you care about their personal needs. In return, they’ll reciprocate with loyalty and higher job satisfaction which makes your job easier when it comes to managing your business. We have your employee benefit solutions beginning at no direct cost to your business.

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Dental and vision benefits have been shrinking or getting capped over the last few years, yet dental procedures have advanced immensely along with their cost. Our most requested benefits are no waiting periods, adequate maximum yearly coverage, and orthodontia.

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Our Expertise


Your Initial Enrollment Period for Medicare can be down right aggravating, especially if you are like most people and start when you turn 65! The good news is that you can have a local resource who will explain Medicare in as much detail as you desire.

health insurance

There are a plethora of options when it comes to health insurance. It really comes down to what you and your specific situation. As brokers we can help you narrow down those choices to help you find the BEST fit for you!

Hospital Indemnity

One of the highest costs associated with any medical plan is a Hospital stay. There are many costs to consider including getting to the Hospital, being admitted and the unforeseen financial costs to the family.

Dental insurance

The #1 insurance that American’s ask for is dental! And for good reason everyone wants to have a nice smile. Let us help you make sure those pearly whites stay pearly!

Life insurance

Who is going to take care of your loved ones once you’re gone? How will they replace your income, pay off debts, cover your final expenses? We can help design the right plan for you so you don't have to worry about it anymore!

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No matter what your situation is we can help you understand the coverages you currently have as well as help you understand what else is available to you!

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what clients say

I found out about Dave through a longtime client and at first I wasn't sure I'd need such extensive insurance but the moment we started working together I realized he's got my best interest at heart which is rare these days. Great guy and great agent.

Cloud Tech

Dave found us coverage when my husband was in a car accident. Health insurance wouldn't cover all the odds and ends, never mind household bills while out of work. He's been a lifesaver and we couldn't be more grateful for his wisdom and expertise.

Life Social

All I can say is I have never felt more comfortable and welcomed when working with an insurance agent. He immediately started informing me of different health insurance programs for me and my husband.

Reach Media


In almost every state, you have 4 main categories under which many different plans can fall. The first is "Obamacare", also known as the ACA (Affordable Care Act) or "the Marketplace". The second is Health Underwritten. This is how healthcare used to be done outside of the workplace. The third is Guaranteed Issue, and the fourth is Short Term medical insurance (which can be up to 36 months depending in which state you currently live).

The Marketplace is a site where providers like Blue Cross Blue Shield, United Healthcare, Cigna, Ambetter, Bright, etc. can place healthcare insurance plan options for purchase. Some states have their own exchange/marketplace for health insurance or are part of the federal exchange These options are offered to all US citizens. Depending on an individual’s income, one also can receive a monthly tax credit which could dramatically lower the cost of your healthcare insurance. How much these plans cost and provider availability are based on criteria such as zip code, age, and income. This means plans could cost you as low as $10, but this is not always the case. Lastly, these plans are available for all people no matter your medical history or pre-existing conditions.

Our company can help you navigate the Federal Marketplace exchange found at We also use and can navigate several state exchanges. We have a partnership with HealthSherpa that aides us in our search for the right plan for you.

Just like there are health insurance plans that allow for a lower monthly premium, there are plans available that review your health. With medical information readily available online through the MIB (Medical Information Bureau) or Intelliscript, health underwritten applications are usually done by answering a few medical questions instead of a cumbersome exam. If you have to pay full price for an ACA plan, medically underwritten insurance can be a great option to lower your healthcare cost without compromising on quality.

If you find yourself outside of Open Enrollment for Obamacare and you have a pre-existing condition, health insurance can be hard to find. Guaranteed Issue plans allow you to get limited or extensive healthcare coverage even if you have a medical illness or injury that prohibits you from being underwritten by an insurance company. A pre-existing condition is considered any medical condition that was known before insurance was obtained. The most important aspect of these plans is that they offer indemnity coverage. This means that they offer a specific amount of coverage and once that limit is met, there is no further coverage. In other words, your exposure is NOT limited.

Health insurance networks are extremely important. If you find an extremely low cost insurance plan, but there are no doctors in the network, then the insurance is practically worthless. Each provider (United Healthcare, Blue Cross Blue Shield, Cigna, Ambetter, Bright, etc) have networks of doctors. Those networks fall under different types: PPO, HMO, and EPO. The PPO or preferred provider options usually offers the widest coverage and usually extends across the United States. The HMO or health maintenance organization can extend outside the state, but this network's most important characteristic is that you need a referral. The EPO or exclusive provider organization works like a PPO with a wide network of doctors, but the network is limited to county or state. We can offer all three different types of networks, but by far, our most desired is the PPO.NEED PPO ASAP

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