Health Insurance — Agent IQ
Health Coverage That Actually Fits Your Life.
We compare plans from 50+ carriers to find the right balance of coverage, network, and cost — for you specifically, not just whoever walked in before you.
The Right Plan Depends on Your Situation
There's no one-size-fits-all health plan. Here's a breakdown of the main options we work with — and who each one tends to be a good fit for.
Marketplace / ACA Plans
Subsidized plans available through the Health Insurance Marketplace. Great for individuals and families who qualify for tax credits.
- Income-based subsidies available
- Covers pre-existing conditions
- Essential health benefits included
- Open enrollment + special enrollment periods
- Bronze, Silver, Gold, and Platinum tiers
Private PPO Plans
Off-marketplace plans with broader networks and more flexibility — often a better fit for those who don't qualify for subsidies.
- Larger provider networks
- No referral required for specialists
- More plan customization options
- Year-round enrollment available
- Often lower out-of-pocket maximums
Group Health Insurance
Employer-sponsored coverage for businesses of all sizes. Attract and retain great employees with a competitive benefits package.
- Employer contribution options
- Covers employees + dependents
- Pre-tax premium payments
- Multiple plan tiers available
- Streamlined enrollment process
We Do the Shopping. You Make the Decision.
Choosing a health plan on your own means comparing dozens of options with confusing terminology and no way to know if your doctor is in-network. We cut through all of that.
- We compare plans from 50+ carriers — not just one company
- We explain the difference between deductibles, copays, and out-of-pocket maximums in plain English
- We help you find in-network doctors before you enroll
- We check subsidy eligibility so you never leave money on the table
- We review your plan every year at no cost
Terms You'll Actually Need to Know
Premium
What you pay every month for your plan — whether you use it or not.
Deductible
What you pay out of pocket before your insurance starts covering costs.
Copay
A fixed amount you pay for a specific service, like a $30 doctor visit.
Coinsurance
After your deductible, the percentage you share with your insurer (e.g. 20%).
Out-of-Pocket Maximum
The most you'll ever pay in a year. After this, insurance covers 100%.
Network
The doctors and hospitals your plan has negotiated rates with. Staying in-network saves money.
Not Sure Which Plan Is Right for You?
That's exactly what we're here for. A free 20-minute conversation can save you hundreds a year.