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What We Offer

Health Insurance Solutions
for Every Stage

We shop the full market — so you get the right plan, not just the easiest one to sell.

Our Approach

Independent Means Unbiased

Because we're not tied to any carrier, we can compare every option available and recommend only what's right for you. Below is a breakdown of who we serve and what we specialize in for each group.

01
Solo Entrepreneurs

You built something on your own — your health coverage should work as hard as you do. We find individual plans that give you the flexibility you need now and scale gracefully when you start hiring.

  • Marketplace (ACA) plans — on and off-exchange
  • Individual and family coverage options
  • Short-term health plans for gaps in coverage
  • Medical cost sharing alternatives
  • Planning for the ICHRA transition when you hire
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Solo entrepreneur working
Small business team
02
Small Businesses
1–49 Employees

Offering health benefits is one of the best ways to attract and keep great people — but it doesn't have to cost a fortune. We design plans that fit your budget and your team.

  • Fully insured group health plans
  • Level-funded plans (lower cost, more transparency)
  • Individual Coverage HRAs (ICHRAs)
  • Qualified Small Employer HRAs (QSEHRAs)
  • Dental, vision, and supplemental coverage
  • Annual renewal review and carrier shopping
Get a Quote for Your Team
03
Employers
50+ Employees

Your team has outgrown simple solutions. At this size, the complexity of your benefits strategy matters — and small decisions can mean significant cost differences. We bring data to the table.

  • Self-funded health plan design and analysis
  • Level-funded plan evaluation using claims data
  • ICHRA strategy for large employer groups
  • Stop-loss coverage coordination
  • Benchmarking against market comparables
  • Carrier negotiations and renewal strategy
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Employers team meeting
Individuals and families
04
Individuals & Families

Navigating health insurance on your own is confusing — especially when you're not sure what's available or what you actually qualify for. We explain everything clearly and find options that fit your life and your budget.

  • ACA Marketplace plan comparison and enrollment
  • Off-market and carrier-direct plan options
  • Short-term health insurance plans
  • Medical cost sharing alternatives
  • Subsidy/tax credit eligibility analysis
  • Coverage gap solutions during life transitions
Find Your Plan

Ready to enroll? Start here:

Common Terms, Explained

What's an ICHRA?

We'll walk you through everything in plain English. Here's a quick primer on the more modern options we get questions on the most.

ICHRA

Individual Coverage HRA. Employers reimburse employees for individual health insurance premiums tax-free. Flexible for any size employer.

QSEHRA

Qualified Small Employer HRA. Allows small businesses with under 50 employees to reimburse employees for health premiums and medical expenses, tax-free.

Level-Funded

A middle ground between fully insured and self-funded. You pay a fixed monthly amount, get access to claims data, and can receive a refund if claims come in low.

Not sure which applies to you? That's exactly what we're here for.

Talk to Myranda
Let's Find Your Plan

Not Sure Where to Start?

Tell us a little about your situation and we'll find the best options across the market — at no cost to you.

Get a Free Quote Schedule a Meeting

Or call directly: 816-516-0658