Confused about what you have? Send me a picture of your insurance card and l’ll tell you in 60 seconds if you’re overpaying—or if you’re in the wrong plan entirely.
Find answers to your most pressing questions about private health insurance and our services.
Public (ACA/Marketplace): Government-regulated, income-based, and limited to open enrollment. They work best for lower-income individuals or those qualifying for subsidies and are usually HMO/EPO networks.
Private Plans: Medically underwritten with stronger benefits, nationwide PPO access, and available year-round. These typically save healthy individuals and families 30–50% monthly while offering better hospitals and coverage options.
Best for families, self-employed, high-income earners.
In short: ACA is about income qualification — Private PPOs are about freedom, quality, and savings.
Short-term insurance provides temporary coverage (usually 3–12 months) for people between jobs or waiting for new benefits to start. Premiums look good on the front end and are typically lower than other plans.
*While it can be inexpensive, it often lacks major medical benefits, preventive care, or nationwide access.
Health share plans are membership-based cost-sharing programs, not actual insurance.
Members contribute monthly and share each other’s medical expenses, but there’s no legal or contractual guarantee of payment.
*While health share plans can seem affordable upfront, they come with major gaps in protection and no network security — that’s why we help clients choose true PPO health insurance backed by top national carriers.
CONFUSED ABOUT WHAT YOU HAVE?
SEND ME A PICTURE OF YOUR INSURANCE CARD AND I’LL TELL YOU IN 60 SECONDS IF YOU’RE OVERPAYING – OR IF YOU’RE IN THE WRONG PLAN ENTIRLEY.
HMO (Health Maintenance Organization): Lowest cost, most restrictive. Need a primary doctor + referrals. Out-of-network usually not covered.
EPO (Exclusive Provider Organization): No referrals needed for specialists, but limited to network. Out-of-network usually not covered (except emergencies).
PPO (Preferred Provider Organization): Most flexible. See any doctor, anywhere, with or without referrals. In or out of network. Gold standard for nationwide coverage.
POS (Point of Service): Hybrid of HMO and PPO. Need a primary doctor + referrals. Some limited out-of-network coverage.
Your network determines:
Who you can see (doctors & hospitals)
How much you'll pay (in vs. out of network costs)
Flexibility if you travel or move
👉 Most ACA plans are HMO/EPO. Many clients switch to private PPOs for nationwide freedom.
We help clients choose plans that fit their lifestyle — not just their ZIP code
Public (ACA/Marketplace): Government-regulated, income-based, and limited to open enrollment. They work best for lower-income individuals or those qualifying for subsidies and are usually HMO/EPO networks.
Private Plans: Medically underwritten with stronger benefits, nationwide PPO access, and available year-round. These typically save healthy individuals and families 30–50% monthly while offering better hospitals and coverage options.
Best for families, self-employed, high-income earners.
In short: ACA is about income qualification — Private PPOs are about freedom, quality, and savings.
Short-term insurance provides temporary coverage (usually 3–12 months) for people between jobs or waiting for new benefits to start.
*While it can be inexpensive, it often lacks major medical benefits, preventive care, or nationwide access.
Health share plans are membership-based cost-sharing programs, not actual insurance.
Members contribute monthly and share each other’s medical expenses, but there’s no legal or contractual guarantee of payment.
*While health share plans can seem affordable upfront, they come with major gaps in protection and no network security — that’s why we help clients choose true PPO health insurance backed by top national carriers.
There are no minimum employee requirements to qualify — all you need is at least one to get started.
Whether you’re a single business owner or have a growing team, we’ll build a plan that fits your company's size and structure.
The plans we have access to are medically underwritten Private PPOs, not ACA or marketplace products. That means:
● Up to 50% lower premiums on average.
● Nationwide PPO access (no referral restrictions).
● Low deductibles and stronger benefits for both owners and employees.
● No employer contribution required.
● Available year-round — no open enrollment limits.
Yes. We specialize in plans that work for entrepreneurs, S-Corporations, and 1099 teams.
Owners and independent contractors can be covered alongside W-2 employees under the same PPO umbrella, giving everyone seamless protection and tax advantages.
It’s fast and fully electronic.
1. Consultation: We review your company’s goals and current coverage.
2. Underwriting: Simple online health questionnaire — no exams needed.
3. Plan Design: We customize tiers for owners, management, and employees.
4. Activation: Your team receives ID cards and onboarding support
Most groups are active within 3–7 business days.
Yes. Just like traditional employer-sponsored insurance, premiums for Group & Business Coverage are tax-deductible for the company.
We also structure owner plans for maximum personal tax efficiency.
Absolutely. Every plan offers nationwide PPO freedom — meaning your employees can visit any provider or hospital within the PPO network (and often even out-of-network when medically necessary).
That’s one of the biggest advantages of private PPOs. Your employees can live and work anywhere in the U.S., and their coverage travels with them. It’s perfect for remote teams, traveling staff , or seasonal employees.
If you already work with a benefits coordinator, we can co-manage the transition to ensure a smooth process.
Our system integrates with most HR and payroll platforms for easy employee management.
Your dedicated advisor handles all updates — adding new hires, removing employees, or adjusting tiers.
We review your group annually to ensure you’re still in the most cost-effective and benefit-rich structure available.
Yes. We can bundle dental, vision, life, and accident coverage into your group PPO plan for full protection — all under one digital platform and one billing cycle.
Once applications are submitted, most group plans go live within 3-7 days. Urgent enrollments (for expiring policies or business acquisitions) can often be expedited within 48 hours, depending on underwriting requirements.
Short-term plans are "band-aid coverage." They last 3-12 months, exclude pre-existing conditions, and are designed for gaps-not long-term protection. Premiums look cheap, but coverage is limited.
Health shares are not real insurance. They're
"membership cost-sharing programs" run by ministries or co-ops. There's no guarantee of payment, and many exclude pre-existing conditi
• or cap benefits.
HERE ARE THE MOST ASKED QUESTIONS
With discipline and following our system, most committed rookies can earn $70K–$100K in their first 12 months. Some crush six figures faster.
No. We provide all the training, scripts, and systems you need. What matters is your hunger, work ethic, and coachability.
We don't throw you a license and leave you. We run on structure, accountability, and leadership. Our culture builds winners—not lone agents.
You'll have access to live training, mentorship, scripts, leads, and a proven 30-60-90 day roadmap. We don't just recruit—we develop.
This is a performance-driven career. You control your income. But unlike other sales jobs, our proven system + mentorship makes six figures achievable—not just a dream.
Failure is only possible if you quit. We've built systems, accountability, and leadership designed to make sure you succeed—if you're willing to show up and do the work.
Beyond six-figure earnings, you can grow a team, build residual income, and create a legacy career that changes your family tree.
Private plans are medically underwritten PPOs, not government-subsidized policies. They’re designed for higher-income earners and healthy individuals who don’t qualify for ACA discounts — offering lower premiums, stronger benefits, and year-round enrollment.
Yes — all our plans are nationwide PPOs, meaning you can see any doctor or hospital in the U.S. with no state restrictions and no referral requirements.
Every case is different, but most clients regularly save 30–50% per month compared to traditional ACA or employer plans — while getting better benefits and more provider freedom.
You can still apply.
Private PPOs use medical underwriting to approve applications individually — some conditions are accepted, some may lead to us having to go another plan direction.
Either way, we’ll help you find the best coverage available for your health and budget. Our job is to find what works best for you, not force a one-size-fits-all policy.
No — we’re licensed and serve clients in 30+ states nationwide.
Our coverage travels with you wherever you live, work, or move.
Absolutely legitimate.
We work exclusively with A-rated national carriers that have been serving clients for decades. Our agency is licensed, regulated, and trusted by thousands of families.
Every plan includes verified policy numbers and full documentation.
Once approved, coverage can start within 24–72 hours. Coverage can start immediately.
There’s no waiting for Open Enrollment — you can apply any time of year.
Unlike ACA plans, the private plans we have access to are not tied to income subsidies or political changes. Rates remain stable, with no surprise hikes each January.
Each plan has a different monthly premium rate guarantee as well.
Most likely, yes. Most of our PPO networks include the nation's largest hospitals and providers. We'll verify your doctors during the quoting process.
Because we work for you, not the carrier.
We compare every available option, do visual presentations, guide you through claims and questions, and keep your plan optimized year after year.
You’ll always have a personal advisor — not a call center or someone who doesn't speak english.
Discover the truth about no-contract plans and how they can benefit you.
