Stop overpaying for health insurance you barely use.

Most self-employed people have never heard of this option.

Book a Free Consultation Call (719) 851-5606

A smarter approach to health insurance.

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Lower Monthly Cost

Without ACA subsidies, many Americans pay $700–$1,000 per month for an individual and $1,500–$2,200+ for a family — typically for an HMO. PPOs often cost hundreds more per month, making HMOs the only affordable option for many households. There’s a better option — if you qualify.

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Coverage When It Counts

Lower premiums don’t mean you’re flying without a net. The right plan helps you spend smarter with lower monthly costs, real everyday value, and meaningful protection when it counts.

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An Advisor, Not a Salesperson

Michael believes health insurance is about more than affordable premiums — it’s about having meaningful protection when you need it most. His focus is helping individuals, families, and small businesses find the plan that best fits their needs. The goal is simple: a plan that makes sense for you, not a commission.

Three steps to a smarter plan.

Finding the right health plan doesn’t have to be complicated. We keep it simple and transparent.

01

Book a free 30-minute consultation.

Schedule a time that works for you. No strings attached, just a dedicated half-hour to look at your options.

02

Michael reviews your situation honestly.

We evaluate your health, current coverage, and monthly costs to determine whether this is truly the right fit for you.

03

You decide if it makes sense — zero pressure.

You decide what’s right for you. If it’s a fit, we’ll help you enroll. If another option would serve you better, we’ll tell you. And if your current plan is already the right choice, we’ll tell you that too.

A real person, not a call center.

Meet Your Advisor

Michael Emeson · Licensed Health & Life Insurance Advisor · Licensed in 31 States

After more than 30 years of building trusted relationships in top-tier B2B sales and finance, I transitioned into the health insurance industry with the same commitment to honesty, integrity, empathy, and exceptional service that defined my career.

After retiring, I saw far too many people overpaying for coverage that didn’t fit their needs. That’s why I’m passionate about helping clients find smarter, more personalized solutions.

Licensed and servicing people in 31 states across the country, I provide honest guidance to help clients navigate their options with confidence. If I can improve your coverage, lower your costs, or create better long-term value, I’ll show you how. If not, I’ll tell you that too.

You may be just one conversation away from better coverage, lower costs, or both. Let’s find out.

Common questions.

Is this “real” health insurance? expand_more
Yes, these are private, underwritten health plans designed to help cover doctor visits, accidents, illnesses, and hospitalization, with first-dollar benefits for covered services and no annual deductible to satisfy before those benefits can begin. They’re private, underwritten plans — not ACA Marketplace coverage — and pay fixed benefit amounts based on the services you receive rather than a percentage of the overall bill. Michael will explain exactly how the coverage works and whether it’s the right fit for your situation before you make any decision.
How is this different from an ACA plan? expand_more
ACA-compliant health plans are guaranteed issue, meaning applicants are accepted regardless of health history or pre-existing conditions. However, premiums can become expensive for those who don’t qualify for meaningful subsidies, and PPO options often cost substantially more. The private plans we offer require medical qualification, but because the risk pool is generally healthier, the right individual, family, or small business can often save $300 to $1,000 per month on premiums. It’s important to understand that these plans typically do not include mental health treatment requiring psychiatric care, substance abuse treatment, or drug and alcohol rehabilitation. Michael will explain the differences and help determine whether this is the right fit for your specific needs.
What if I get seriously ill? expand_more
Every plan we offer includes catastrophic protection designed to help safeguard you from major medical expenses, including hospitalization, surgery, and serious health events after a $3,000 deductible. If needed, these plans are also structured to help bridge you to ACA open enrollment, where any new diagnosis can be fully covered moving forward.
Who is this NOT right for? expand_more
Individuals with significant pre-existing conditions, those who qualify for substantial ACA subsidies, or anyone seeking mental health treatment requiring psychiatric care, substance abuse treatment, drug and alcohol rehabilitation, or broader mental health coverage may be better served by other options. Michael will provide honest guidance during your consultation and let you know if this isn’t the right fit before you spend a dollar.

Ready to see if this makes sense for you?

No pressure. No jargon. Just an honest look at your options.

Book a Free Consultation Call (719) 851-5606