You're Probably Overpaying For Coverage That Won't Protect You When It Counts.

Most people are paying too much for plans full of benefits they'll never use — while the coverage that actually matters is paper thin. We fix that. One free 15-minute review, zero obligation.

Book Your Free Health Review 15 Minutes · Zero Obligation · No Pressure
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Licensed in 30 States Serving families nationwide
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Rated 5.0 Stars Across 100+ reviews
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Trusted by Thousands Of families across America

Carriers We Work With

UnitedHealthcare
Ambetter
Cigna
Anthem
Oscar Health
BCBS
Molina
AmeriHealth
Medica
CareSource
Aetna
Highmark BCBS
Wellpoint
Christus Health
Antidote Health
AvMed
UnitedHealthcare
Ambetter
Cigna
Anthem
Oscar Health
BCBS
Molina
AmeriHealth
Medica
CareSource
Aetna
Highmark BCBS
Wellpoint
Christus Health
Antidote Health
AvMed
Real Savings. Real People.

We Cut Their Premiums In Half

These are real clients who were overpaying every month. One call changed everything. See what we did for them — and what we can do for you.

Matthew L.
Matthew L.
Single, 29 · Florida
$35,000/yr income
Individual
Current Plan Premium $418/mo
Per year $5,016/yr
Advance Health Plans Rate $209/mo
Per year $2,508/yr
✂️ Cut In Half — Total Savings
$209/mo
$2,508/yr annually
Jenelle Q.
Jenelle Q.
Single, 24 · Texas
$25,000/yr income
Individual
Current Plan Premium $462/mo
Per year $5,544/yr
Advance Health Plans Rate $231/mo
Per year $2,772/yr
✂️ Cut In Half — Total Savings
$231/mo
$2,772/yr annually
The Martinez Family
The Martinez Family
Family of 4 · Texas
$60,000/yr income
Family
Current Plan Premium $986/mo
Per year $11,832/yr
Advance Health Plans Rate $493/mo
Per year $5,916/yr
✂️ Cut In Half — Total Savings
$493/mo
$5,916/yr annually
The Johnson Family
The Johnson Family
Family of 4 · Florida
$100,000/yr income
Family
Current Plan Premium $1,148/mo
Per year $13,776/yr
Advance Health Plans Rate $574/mo
Per year $6,888/yr
✂️ Cut In Half — Total Savings
$574/mo
$6,888/yr annually
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*Rates shown are based on actual plan options available through Advance Health Plans. Savings vary based on age, location, plan type, and coverage selected. Individual results may differ.

The Problem

Most Families Have One of Three Problems With Their Health Coverage.

Most people assume they either have coverage or they don't. The real picture is messier than that.

Problem One

No real protection at all.

One bad night, one diagnosis, one ER visit nobody saw coming — and a family that was doing fine is staring at six figures of medical debt with nothing between them and financial disaster.

Problem Two

Paying for a plan full of holes.

You carry a card, you pay every month, you assume you're covered. Then something serious happens and you learn the deductible is thousands, the specialist you need is out of network, and your claim needs approval first. About 44% of people with individual coverage are underinsured.

Problem Three

Paying too much for coverage they'll never use.

One in three Americans says their premium isn't worth what they get. High deductibles, narrow networks, and catastrophic coverage thinner than it looks. They've been quietly overpaying for years and nobody ever showed them the math.

How It Works

Three Steps. Fifteen Minutes To Start.

We know you've probably talked to insurance agents before. This is different. Here's what actually happens.

Step One

The Free Health Review

Fifteen minutes, no pressure, no pitch. We look at what you have now, what it's costing you, and where the real gaps are. If you're already well covered, we'll tell you that straight.

Step Two

We Build The Right Plan Together

We put together a plan around your real situation — your health history, your budget, the doctors you want to keep. We look for what fits, not what we're told to sell.

Step Three

You Make The Call

No timeline, no pressure, no wear-you-down follow-up calls. You decide what's right for your family. Move forward and we handle everything. Don't, and you still walk away knowing exactly where you stand.

Side by Side

What Most Plans Do vs. What We Build For You

The difference shows up the day something goes wrong.

Typical Marketplace Plan Advance Health Plans
Monthly PremiumHigh — often $400–$800+Often lower than what you pay now
Deductible Before Help Kicks In$3,000–$8,000+$0 deductible options available
Doctor VisitsHigh copay after deductible$10–$20 per visit
Doctor ChoiceNarrow network onlyNationwide PPO — any doctor
Prescription CoverageAfter deductible only$5–$20 generic copays
Dental & VisionNot includedAvailable from $29/month
Who Your Plan Answers ToThe insurance carrierYou and your family
Agent AvailabilityCall center, hold timesDirect line to your agent
What We Offer

Plans For Every Situation and Budget

We work with 16+ carriers to find the right fit — not what's easiest to sell.

🏥 ACA / Marketplace

Government-Backed Plans

Best if you have pre-existing conditions, take ongoing medication, or your income qualifies you for tax credits.

  • $0 premium options based on income
  • Pre-existing conditions covered
  • Preventive care at no cost
  • Prescription drug coverage
  • Mental health included
💼 Most Popular

Private PPO Plans

Best if you're healthy, want a nationwide PPO, and want to stop paying for what you'll never use.

  • $0 deductible available
  • $10–$20 doctor visits
  • Nationwide PPO — any doctor
  • Low prescription copays
  • No referrals needed
😁 Dental & Vision

Dental & Vision Coverage

Standalone or bundled — protect your teeth and eyes without paying the markup of a big plan.

  • Starting at $29/month
  • No waiting periods
  • Free annual cleanings
  • Eye exams & glasses covered
  • Major dental work covered
Testimonials

Why People Trust Us

Real clients. Real savings. Real stories.

Maureen T.
Maureen T.
Alabama
★★★★★

"Muad helped me find a PPO plan with no deductible and low copays for less than I was paying before. He made the whole process so simple — I was covered the same day!"

via Facebook

James R.
James R.
Texas
★★★★★

"Completely transparent. He told me exactly what I was getting and didn't push anything I didn't need. Found me a UHC plan that saved me $180 a month. Highly recommend!"

via Google

Sandra M.
Sandra M.
Florida
★★★★★

"Monalissa was amazing to work with. She followed up quickly, answered all my questions, and made sure I understood my plan. Best insurance experience I've ever had."

via Facebook

Carlos V.
Carlos V.
Georgia
★★★★★

"I had no idea I was overpaying until Muad reviewed my plan. Found me better coverage through Ambetter at half what I was paying on the marketplace. Life changing!"

via Google

Tanya W.
Tanya W.
Ohio
★★★★★

"They actually care about finding you the right plan, not just making a sale. My whole family is covered through them now and we're saving over $200 a month."

via Facebook

Derek S.
Derek S.
North Carolina
★★★★★

"Fast, professional, and honest. Muad got me and my wife covered with dental and vision too for under $200 a month total. I sent my whole family to him after that."

via Google

Lisa P.
Lisa P.
Virginia
★★★★★

"I was uninsured for 2 years because I thought I couldn't afford it. Muad found me a plan for $0 a month based on my income. I wish I had called sooner!"

via Facebook

Michael B.
Michael B.
Illinois
★★★★★

"Professional, knowledgeable and genuinely helpful. Walked me through every option and never made me feel pressured. Got covered in one day. 10 out of 10."

via Google

Maureen T.
Maureen T.
Alabama
★★★★★

"Muad helped me find a PPO plan with no deductible and low copays for less than I was paying before. He made the whole process so simple — I was covered the same day!"

via Facebook

James R.
James R.
Texas
★★★★★

"Completely transparent. He told me exactly what I was getting and didn't push anything I didn't need. Found me a UHC plan that saved me $180 a month. Highly recommend!"

via Google

Sandra M.
Sandra M.
Florida
★★★★★

"Monalissa was amazing to work with. She followed up quickly, answered all my questions, and made sure I understood my plan. Best insurance experience I've ever had."

via Facebook

Carlos V.
Carlos V.
Georgia
★★★★★

"I had no idea I was overpaying until Muad reviewed my plan. Found me better coverage through Ambetter at half what I was paying on the marketplace. Life changing!"

via Google

Tanya W.
Tanya W.
Ohio
★★★★★

"They actually care about finding you the right plan, not just making a sale. My whole family is covered through them now and we're saving over $200 a month."

via Facebook

Derek S.
Derek S.
North Carolina
★★★★★

"Fast, professional, and honest. Muad got me and my wife covered with dental and vision too for under $200 a month total. I sent my whole family to him after that."

via Google

Lisa P.
Lisa P.
Virginia
★★★★★

"I was uninsured for 2 years because I thought I couldn't afford it. Muad found me a plan for $0 a month based on my income. I wish I had called sooner!"

via Facebook

Michael B.
Michael B.
Illinois
★★★★★

"Professional, knowledgeable and genuinely helpful. Walked me through every option and never made me feel pressured. Got covered in one day. 10 out of 10."

via Google

5.0
★★★★★

Rated 5.0 Stars · 100+ Reviews
Facebook · Google · HealthSherpa

Questions

Frequently Asked Questions

Is this real insurance or one of those alternatives?

We're a licensed insurance agency working with established, top-rated carriers including UHC, Cigna, Ambetter, Oscar, and more. We'll explain exactly what each option is before you decide.

Will I get bombarded with calls?

No. It's one scheduled review with one licensed advisor. No call center, no hold music, no wear-you-down follow-ups. You get our direct line.

What does the review cost?

Nothing. Our advisors are paid by the carrier only if you choose to enroll. The review is completely free either way.

What if my current plan is already good?

Then we'll tell you to keep it. We'd rather earn your trust than make a sale that isn't right for your family. Honestly.

Do you only work with one company?

No. We work with 16+ top carriers across 28 states. We're independent, so we're not locked into pushing one product.

How fast can I get covered?

Often same day or within 48 hours depending on the plan type and your situation. We handle all the paperwork.

You Already Know Something Isn't Right.

Maybe you're paying more than you should. Maybe you're not sure your plan would hold up if something serious happened. Maybe the last time you looked into this it felt like a sales call. This isn't that.

1
You pick a time. Fifteen minutes.
2
One licensed advisor reviews what you have and where the gaps are.
3
You get a clear picture and you decide. No pressure, no obligation.
Book Your Free Health Review →

If your current plan is already the best fit, we'll tell you — and you owe us nothing.