Census re-shop
Send the census and your current plan summary. We run the full panel and return a matched comparison with two alternates.
No cost, no obligation, no requirement to move carriers.
Open through the current renewal season
Send a censusLife-stage entry points
Four buyers, four different questions
Nobody arrives here asking about insurance. They arrive with a date, a job change, a birthday or a payroll problem. Start where you actually are.
Life stages
Turning 65“Do I have to do anything, and when?”The seven-month window, the Part B decision if you are still working, and the one Medigap period you cannot get back.Open this path 
Self-employed“How do I cover myself when the income moves?”Marketplace subsidies that track variable 1099 income, the small group option once you have an employee, and the tax layer underneath both.Open this path 
Families“How do we cover everyone without overpaying?”Dependent tiers, pediatric dental, two competing employer offers, and the deductible arithmetic that decides which plan is actually cheaper.Open this path 
Business owners“What should we offer, and what will it cost us?”From a two-life group to a 200-life ALE: participation minimums, contribution strategy, funding models and the compliance line at 50 FTEs.Open this path
At the desk
Three things we do that cost you nothing
Not loss leaders and not a trial. This is the work, and it is included because carriers pay us, not you.
Compliance file review
We walk your FTE count, affordability safe harbour, minimum value and last year's 1095-C coding before a notice arrives.
Typically 45 minutes. Bring your payroll export and your plan summary.
Booked year-round
Book a reviewOpen enrollment meetings
On-site or webinar sessions for your staff, in English and Spanish, with a plain-language kit they can take home.
Evening and shift-friendly sessions available.
Scheduled 30 days before your effective date
See the calendarTurning 65 review
One hour, your doctors and your prescriptions checked against every plan available in your county, with the trade-offs read out.
Bring your Medicare card, your drug list and your provider list.
Available year-round
Book the reviewAutumn drug list re-run
Every October we re-run your prescriptions against next year's formularies, because last year's best plan rarely stays best.
Existing clients are contacted automatically. New clients are welcome.
Runs each Annual Election Period
How it worksSocial Security timing session
A break-even analysis on claiming age using your own earnings record, alongside how the decision interacts with Medicare.
Bring your Social Security statement. No products are sold in this meeting.
Available year-round
See the methodStill not sure which one you are?
Answer four questions and we will route you to the right desk. It takes about two minutes.
Independent and multi-carrier. $0 cost to work with us. No pressure scripts.