Individual Health Insurance

We represent every Major Medical Carrier, except 5 that we refuse to sell due to coverage limitations, claim problems and/or a history of huge rate increases.

We specialize in designing plans to a) improve your coverage, b) reduce your premiums 30%-70% and c) have Zero out-of-pocket risk in most cases.

Our Website allows you to compare plans from 10 of our 30 Carriers. Contact us to compare plans from all major carriers.

Partial Listing of Health Insurance Carriers we represent.

Top 5 Tips to Improve Coverage and Reduce Premiums

Please review our Health Insurance Buyers Guide for the Top 10 Tips to select the best plan and glossary of terminology.

For an instant online health insurance quote for you or your family, please fill out our online form.

Employer Group Plans

We represent every Major Carrier for Employer Group plans, including Aetna, American Community, Blue Cross, Cigna, HealthNet, Humana and United Healthcare.  Please contact us for quotations and a comparison chart.

Guaranteed Issue Medical

We offer a wide variety of Guaranteed Issue Medical and Mini-Medical plans.  Click the link above for quotations or contact us to determine your best options. 

Short-Term Medical

Short-Term Medical (STM) plans provide up to $2.0M in Major Medical coverage for 1-12 months with no medical underwriting.  Simply answer 7 questions and the policy will be issued within 24 hours.  STM plans do not cover any pre-existing conditions or provide Co-pays for Doctor Visits, Prescription Drugs or Preventive Care.  Click the link above for instant quotations.