Health Insurance
Health coverage under 65 comes in two very different flavors, and picking the wrong one is the #1 mistake we fix. Answer one question — do you qualify for a subsidy? — and the right path is usually obvious. Not sure? That's literally our job: call or text and we'll check in minutes.
1 · Marketplace / State Exchange (ACA)
Plans through HealthCare.gov or your state's own exchange. Most households qualify for a subsidy that lowers the monthly premium — sometimes dramatically. No health questions, pre-existing conditions covered, all 10 essential benefits.
2 · Private / Off-Exchange Health
Plans bought directly from carriers, outside the exchange. No subsidies, and most ask health questions — but enrollment is open year-round and premiums can beat unsubsidized Marketplace rates for healthy applicants. Includes short-term bridge coverage between jobs.
“After 24 years and $400M in commissionable premium, the pattern never changes: people don't overpay because they chose badly — they overpay because they only ever saw one company's options. Independence fixes that.”
We'll tell you honestly which side fits — if the Marketplace subsidy beats every private plan we can offer, that's what we'll recommend.
A sample of the 177 Marketplace + 169 off-exchange carriers in our catalog.
Medicare
Advantage (Part C), Supplement/Medigap, and Part D drug plans — compared side by side against your doctors, your medications and your budget by a licensed agent. Medicare has real deadlines and real trap-doors; a 15-minute call now prevents years of the wrong plan.
Talk it through with a specialist
The fastest way to get Medicare right. We check your doctors and drug list against every plan in your county — at no added cost to you.
Call a Medicare Specialist Medicare, fully explained →Browse & self-quote online
Compare Advantage, Supplement and Part D plans yourself through Vitality Health Advisors, our dedicated Medicare brand.
Quote Medicare Plans Online Start a Medicare intake (HealthSherpa) → VitalityHA.com →
A sample of the 287 Medicare Advantage + 141 Medigap carriers in our catalog.
Life Insurance & Annuities
Term, whole life, IUL, final expense — plus fixed annuities for guaranteed retirement income. Life quotes are usually faster and cheaper by phone, because we shop every carrier at once and place you where you'll actually get approved.
Get shopped across carriers
One call, every carrier. Tell us your age, health and goal — we come back with the best offers, not one company's rate card.
Call / Text 561-339-0727 Term vs whole vs IUL, explained →Quote online now
Instant term, final expense and guaranteed-issue quotes through our principal agent — one carrier flow of the 45+ we represent.
Instant Term Life Quote Term with living benefits → Final expense → Guaranteed issue (no health questions) → Apply online with Ethos → Life + cancer + critical illness (request) →
10 of our 45+ life & annuity carriers.
Ancillary Benefits — the Coverage That Pays You
What does "ancillary" mean? Everything your health plan doesn't do. Two families: everyday-care plans (dental, vision, hearing — the care medical plans skip) and cash-benefit plans (accident, hospital, cancer/critical illness — which pay cash directly to YOU on top of any health plan, for bills, rent, groceries, anything). None of these have an enrollment window: add them any month of the year.
🦷 Dental · Vision · Hearing (DVH)
Cleanings and major dental work, exams and glasses, hearing aids. Standalone plans from $15–40/mo range for most ages; senior DVH bundles built for Medicare-age needs.
NCD Dental — Instant Enroll Senior DVH bundle → DVH explained →🏥 Hospital · Accident · Serious Illness
A broken arm, a hospital stay, a cancer diagnosis — these plans pay set cash amounts straight to you, on top of your health insurance, never instead of it. That cash covers deductibles, lost work hours, or the mortgage.
Accident Quote Hospital expense → Cancer & critical illness → How cash-benefit plans work →Online ancillary quotes above run through Allstate Health Solutions / NCD — a sample of the carriers we offer. Want us to shop the whole market? Call or text 561-339-0727.
A sample of the 54+ dental & cash-benefit carriers in our catalog.
Group / Employer Benefits + ICHRA
Real benefits for teams of 2 to 2,000 — group health, level-funded, self-funded, ICHRA (give employees tax-free money to buy their own plan), plus Section 125 setups that cut your payroll taxes. We design it, quote it across carriers, and handle enrollment.
See what you'd save first
Run the Section 125 ROI calculator — most owners are surprised what a compliant pre-tax benefits plan saves in FICA alone.
Employer ROI Calculator Group options explained →Talk to a benefits designer
15 minutes, your census, and we'll sketch 2–3 structures with real numbers. No obligation.
Call 561-339-0727 Text us your headcount →
Group carriers vary by state and group size — we quote them all.