Health Insurance
Individual, family, Medicare supplement and short-term medical cover — compared on total annual cost, not just the monthly premium.
$1,140/yr
Average family saving after switching
40+
Plans compared per family
Free
Open enrolment support
Always
Network checks included
Cover that fits your life, explained properly
Health insurance is the one policy most families use every single year, and the one most often bought badly. People compare monthly premiums, pick the cheapest, and then discover in March that a single paediatric admission has already pushed them through a $7,000 deductible. The right way to shop is total expected annual cost: premium times twelve, plus the realistic out-of-pocket spend your family will incur given prescriptions, specialists, therapy and any planned procedures.
We work through exactly that calculation with you. Our advisors compare ACA marketplace plans, private off-exchange plans, health sharing alternatives, short-term medical cover for gaps between jobs, and Medicare Advantage or Medigap options for the over-65s in your family. We also check whether anyone qualifies for premium tax credits, which can reduce a marketplace premium by several hundred dollars a month.
Network matters as much as price. A plan that saves you $90 a month but excludes your children's paediatrician and the hospital closest to your home is not a saving — it is a bill waiting to happen. Before we recommend anything, we verify that your doctors, hospitals, pharmacies and any ongoing treatment are in network, and we put that check in writing.
What family health cover typically includes
A summary of what a well-built policy includes. Exact limits, sub-limits and endorsements are set out in your written quote and in the carrier's policy wording.
Doctor & specialist visits
Primary care, paediatrics, dermatology, cardiology and other specialists, with in-network copays and out-of-network options.
Preventive care at 100%
Annual physicals, immunisations, screenings and well-child visits with no deductible and no copay on ACA-compliant plans.
Hospital & surgery
Inpatient admission, emergency room, anaesthesia, surgery and skilled nursing rehabilitation.
Prescription drugs
Tiered formularies covering generics, preferred brands and specialty medications, plus mail-order discounts on 90-day supplies.
Maternity & newborn care
Prenatal visits, delivery, hospital stay and newborn care, including lactation support and paediatric follow-ups.
Mental health & substance use
Therapy sessions, psychiatric care, inpatient treatment and telehealth counselling at parity with medical benefits.
Urgent care & telehealth
24/7 virtual visits for minor illness, often with a $0–$25 copay, plus urgent care centres without an ER bill.
Dental & vision add-ons
Optional standalone or bundled cover for cleanings, fillings, orthodontia, eye exams and lenses.
What to check before you enrol
Most denied claims fail because of an exclusion the policyholder never read. These are the ones that matter most on health insurance policies.
- Out-of-network care is often excluded entirely on HMO plans, or reimbursed at a much lower rate on PPO plans.
- Cosmetic and elective procedures, weight-loss drugs and fertility treatment are frequently excluded or capped.
- Short-term medical plans may exclude pre-existing conditions and do not satisfy the ACA essential health benefits requirement.
- Adult dental, orthodontia and vision are usually separate policies with their own waiting periods.
- Care received outside the United States is generally not covered — buy travel medical cover for international trips.
How we prevent surprises
- We walk you through the exclusions before you buy, not after a claim.
- We add endorsements where a gap can be closed for a few dollars a month.
- You receive the full policy wording and declarations page by email on day one.
- Your claims advocate reviews any settlement offer with you before you accept it.
Request your health insurance quote
Takes under two minutes. An advisor replies within one business day with a written comparison.
Secure form. We never sell your details.
Plan tiers we most often recommend to families
Every family and business is different. These levels show the shape of what we build; your quote is tailored and priced from your own details.
Bronze / High-Deductible
- Family deductible ~$14,300
- Out-of-pocket max ~$16,000
- HSA eligible with $0 premium option
- Preventive care 100% covered
- Best for healthy, low-use families
- Lowest total cost if you rarely visit doctors
- Poor fit for ongoing prescriptions
Silver / Balanced
- Family deductible ~$6,000
- Out-of-pocket max ~$12,000
- Cost-sharing reductions if you qualify
- Preventive care 100% covered
- Balanced for families with kids
- Widest carrier and network choice
- Good telehealth and mental health access
Gold / Platinum
- Family deductible ~$1,500–$3,000
- Out-of-pocket max ~$8,000
- Low copays at point of service
- Preventive care 100% covered
- Best for chronic conditions & regular specialists
- Predictable budgeting
- Lowest surprise bills after a hospital stay
Metal levels are standard ACA categories. Bronze pays less monthly and more at the point of care; Platinum is the reverse. Figures shown are illustrative for a family of four.
Health Insurance FAQs
Straight answers to the things people ask us most about health insurance.
Protect the rest of your world too
Two or more policies with one advisor means one renewal date, one claims number and typically 12–18% less in total premium.