One ER visit, one bad fall, one diagnosis nobody saw coming — and suddenly the math gets ugly fast. Health coverage is the bill you don't want to pay until you really need it. We help individuals, families, and self-employed folks figure out what actually makes sense — not what looks good in a brochure.
Health insurance has too many moving parts for a form. Let's just talk.
Coverage for the Body, the Income, and the Dentist Bill.
Three coverage types that handle what happens when something goes sideways with your health. Each one solves a different problem — and most people need at least two of them.
Individual Health Insurance
Personal health coverage for people who aren't covered through an employer — or who want to explore better options. We shop the market for plans that balance premiums, deductibles, and network quality for your specific situation. There's no one-size-fits-all here.
Best for: Self-employed, contractors, early retirees, families on a private plan, or anyone between employer coverage.
Dental & Vision
Standalone dental and vision plans for individuals and families. Because somehow these always get left off the list — until your tooth hurts or your glasses break. Easy to add, easy to understand, surprisingly affordable, and usually a separate purchase from your medical plan.
Best for: Anyone without employer dental/vision — which is more people than you'd think.
Short-Term Disability
If you can't work due to illness, injury, or recovery — this covers a portion of your income while you're out. Because bills don't stop when you do. Often the most overlooked coverage and one of the most important ones to have, especially if you're self-employed.
Income ReplacementAccident & IllnessMaternity CoverageFlexible Benefit Periods
Best for: Anyone who relies on their paycheck — which is basically everyone. SSA.gov ↗
Looking for life insurance (term, whole, or universal)? Quote yourself instantly on the life insurance page.
Why We Don't Quote Health Online
Health Insurance Has Too Many Moving Parts for a Form.
Life insurance? We can quote that in two minutes. Health insurance? That one we'd rather talk through. Networks, deductibles, prescription coverage, marketplace subsidies, special enrollment periods, family vs. individual structures — the right answer almost always depends on stuff a generic form can't ask about.
A 15-minute conversation gets us further than a 50-question intake form. We'll ask the right questions, tell you honestly what's possible, and never push something that doesn't fit. That's the whole pitch.
Roughly: your age, your state, who needs coverage, what you're paying now (if anything), whether you're self-employed, and what's missing from your current setup. Quick stuff — we just need enough to know what's actually available to you.
No call centers, no scripts, no transferring you to "the health department." You talk to us — directly — and we work through it together.
Sarah Bradley
Owner & Founder
Sarah will work through your health coverage like it matters — because it does. She's honest about what plans actually do, what they don't, and which ones to skip entirely.
Xander Bradley
Producer
Xander digs into the numbers — deductibles, out-of-pocket maxes, drug formularies — and translates the small print into something you can actually decide on. Patient, thorough, and unbothered by the complicated stuff.
Common Questions
Things People Ask Before They Reach Out.
Yes — we help individuals, families, self-employed folks, contractors, and people between jobs find coverage. The right plan depends on your income, household size, state, and what you want from the plan. We'll walk through the real options for your situation, including ACA marketplace plans and any subsidies you might qualify for.
ACA marketplace plans are comprehensive coverage with essential health benefits, guaranteed issue, and possible subsidies based on income. Short-term plans are cheaper but cover less and aren't ACA-compliant — useful for genuine short-term gaps. Fixed indemnity pays a set amount per covered event and is supplemental, not primary coverage. Health sharing is a non-insurance cost-sharing arrangement. Each fits a different situation — we'll explain which fits yours.
Most adult health plans don't include dental and vision because they're underwritten and priced separately — different actuarial pools, different networks, different utilization patterns. Pediatric dental is often included in ACA plans. For adults, dental and vision are usually standalone policies, and they're generally affordable. Easy add-on.
Short-term disability replaces a portion of your income when you can't work due to illness, injury, surgery recovery, or maternity. Coverage typically pays for a few weeks to several months. Anyone who depends on their paycheck should consider it — but it's especially important for self-employed people, contractors, and anyone without employer-provided disability benefits.
Yes — and arguably you need it more than most. Self-employed people don't have employer disability or sick pay, so when you can't work, the income just stops. Individual disability policies are widely available and can be tailored to your occupation and income. We'll help you figure out the right benefit amount and waiting period.
ACA marketplace plans have an Open Enrollment period each fall (usually November 1 through January 15 in most states). Outside of that, you need a Special Enrollment Period — triggered by life events like marriage, having a baby, losing employer coverage, or moving. Short-term plans, dental, vision, and disability can typically be enrolled in any time. We'll help you figure out what enrollment window applies to your situation.
Ready to Sort Out Your Health Coverage?
Nobody ever plans for the plot twist... but we do.
