Your service is completely free. Health insurance brokers like us are paid commission by the insurance companies, not by you. The price of your health insurance plan is the same whether you buy directly from the carrier or through a broker. The difference is that you get expert comparison shopping, personalized recommendations, and ongoing support—all at no extra cost.

A health insurance broker works with multiple insurance companies and shops on your behalf to find the best plan for your needs. An insurance agent typically represents just one insurance company and sells only that company's products. As independent brokers, Thomas and Angela represent over 150 carriers, which means we have far more options to find you the right coverage.

Absolutely. Losing job-based health insurance, getting married, having a baby, turning 65, or starting a business all qualify as life events that give you special enrollment periods outside of Open Enrollment. We help you understand your options and enroll in new coverage right away, so you're never without protection.

Yes. We're local Medicare experts who represent every Medicare Advantage and Supplement plan available in your state. Whether you're new to Medicare or want to make changes at your Annual Enrollment Period, we compare plans, explain your options, and handle the enrollment process so you can avoid calling multiple carriers.

Yes. We design custom group health insurance plans for businesses of any size—from solo owners to teams of 50+. We help you choose coverage that attracts great employees, fits your budget, and works with our online tools to simplify benefits administration. We also handle ongoing support for plan changes and renewals.

We're here for you year-round. Whether you have questions about claims, want to change plans, need to add or remove coverage, or are ready to explore better options at renewal, just reach out. Good brokers don't disappear after enrollment—we stay your partner.