How it works
Four steps. No pressure.
A simple, free review — built around your situation, not a sales script.
How it works
From confused to clear
Tell me what's going on
Whether you're self-employed, leaving a job, covering your family, or paying too much, I start with your situation.
I check available options
We look at what may be available based on your state, household, budget, health needs, and eligibility.
We compare the real details
Monthly cost, deductible, max out-of-pocket, doctor networks, prescriptions, and coverage type.
You choose what makes sense
No pressure. I explain the options clearly so you can decide with confidence.
Side by side
What we'll compare together
A lower monthly payment is only one part of the decision. I help you look at the real details before you choose.
Monthly cost
What you'd actually pay each month, on your budget.
Deductible
What comes out of pocket before coverage kicks in.
Max out-of-pocket
What a worst-case year would really cost you.
Doctor networks
Whether your doctors and hospitals are covered.
Prescriptions
Your medications, checked before you choose.
Private vs Marketplace options
Both routes, compared honestly — including subsidies.
COBRA alternatives
What else may be available before paying full COBRA price.
Start dates
When coverage could actually begin.
Eligibility
What you qualify for based on your situation.
Family coverage
Options for covering a spouse or kids without overpaying.
Sound familiar?
Common situations I help with
- Your employer plan is affordable for you, but too expensive for your family
- COBRA is available, but the monthly cost feels too high
- You're self-employed and need to compare options
- You want to know if your doctor or prescriptions can be covered
- You missed open enrollment and need to understand what may still be available
- You want a second opinion before choosing a plan
If any of these sound like you, start a free review or text (917) 783-2799.
Ready to make health insurance feel less confusing?
Whether it's just you or your whole family, Derek can help you compare options and understand what makes sense before you enroll.