Helping local families and businesses save money on health insurance for 2025/2026!
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Individual Benefit Options (Overviews)
Health Insurance Options
Health insurance premiums are increasing in 2026, whether enhanced tax subsidies are extended or not.
Because of this, we are committed to helping individuals, families & self-employed business owners explore standalone policies and combination plans that improve coverage while also saving money.
This includes:
Traditional ACA Health Insurance Plans
Fixed-Indemnity Health Plans (first-dollar coverage)
Hospital Indemnity/GAP plans (to cover leftover medical expenses)
Cash Benefits (paid to you for medical & non-medical costs)
Example rates can be as low as $67.16/month (for individuals) & $203.45/month (for families)!
Dental · Vision · Hearing
Protect your smile, sight, and hearing, on your terms. Choose an all‑in‑one DVH bundle (Humana Extend 1250 / 2500 / 5000) or pick standalone dental or vision coverage. All plans include access to large national networks and simple, online enrollment. Benefits and availability vary by state; see plan documents for details.
Dental policies as low as $24.99/month
Vision policies as low as $15.49/month
Combination policies as low as $43.99/month
Disability / Income Replacement
Disability coverage protects individuals by providing a regular income if they become disabled and are unable to work due to illness or injury. This coverage is crucial for freelancers, self-employed contractors, and anyone without access to state disability insurance or traditional employer-sponsored coverage.
Many self-employed individuals don't contribute to state disability insurance (TDI), leaving them financially vulnerable if they cannot work. Our Disability Income Insurance provides a safety net by replacing lost income, helping cover essential expenses such as rent, utilities, groceries, and loan payments.
Rates start out as low as $5.92/month (for $1,000/week benefit)!
Instant-Approval Life Insurance
Life insurance is more than just a policy; it's crucial for protecting our families and the businesses we've passionately built.
Our life insurance offerings include flexible Term Life Insurance with Return of Premium (ROP) and Whole Life Insurance, giving you options that meet both short-term and lifelong needs. Explore the details of each plan to discover which option best fits your goals and financial situation.
Rates start out as low as $9.79/month (for $250,000)!
Cash-Benefit Programs that pay YOU!
These benefits PAY CASH DIRECTLY TO YOU in the event of Injuries, Illnesses, Hospital Stays, and major health events like Cancer or Critical Illnesses. They act as a financial cushion, helping to cover expenses that regular health insurance was never designed to cover, such as lost income, out-of-pocket costs, travel for treatment OR most importantly, your regular monthly bills.
These benefits typically cost approx. $2-$8/week for individuals, and just a few dollars more to cover the entire family!
Wouldn't you like to own something that finally paid YOU instead of someone else, for everyday situations?
Cash-Benefit Options (pays you, not the doctor/hospital)
