Personalized health insurance plans for individuals, families, and small businesses
Your Trusted Insurance Partner
In the ever confusing world of health insurance, experience counts. With over 21 years in the health insurance industry, Daniel Osborne helps bring clarity where it's needed. As a licensed Advisor in 31 states, he can shop all plans across the state. Whether you are an individual, family, self-employed, or a small group employer, Daniel offers personalized service to ensure you find the best coverage at the best price.
21+ years
31 states
Our Services Your Choice
Tailored health insurance plans to meet your unique needs.
Marketplace
The ACA Marketplace lets individuals and families shop for health insurance if they don’t have employer coverage. Plans cover essential health benefits and are offered at different price levels. Many people qualify for income-based subsidies that lower monthly costs if their income is below certain thresholds. These plans are often the best options for those with lower income and/or have pre-existing health conditions, as everyone is guaranteed accepted. However, except under special circumstances, enrollment is limited to the Open Enrollment Period running from November 1 - January 15.
Private PPO Plans (Underwritten)
Private plans are built on nationwide PPO provider network platforms, offering greater access to care. These plans are medically underwritten and may exclude those with certain or major pre-existing conditions. However, by being selective, these plans often provide much better benefits, usually $0 to low deductibles, at significantly lower monthly premiums. Private plans are available year-round and do not have specific enrollment periods.
Guaranteed Issue Private Plans
Like the Private Underwritten plans, the Private Guaranteed Issue plans are built on nationwide PPO provider network platforms. These plans are not medically underwritten and anyone is accepted. However, while these plans are often less than Marketplace plans, they have more limited benefits. These plans are often best for those who don't qualify for Marketplace subsidies and have less severe pre-existing conditions but couldn't qualify for an Underwritten plan. Guaranteed Issue PPO plans are available outside of the Marketplace open enrollment periods.
Dental & Vision
Comprehensive dental plans covering essential services like routine exams, cleanings, and major procedures, ensuring optimal oral health and cost savings. Broadly accepted PPO provider networks.
Vision plans provide a no-cost annual eye exam and if glasses or contacts are needed, they provide generous allowances and low copay benefits, with broad PPO provider access.
Accident & Critical Illness
Supplemental insurance policies providing financial support in the event of an accidental bodily injury or the diagnosis of a critical illness, helping to cover out-of-pocket medical expenses and additional living expenses during recovery.
