Health insurance that’s simple, honest and personalized.
Stronger plans, lower monthly costs and real support without marketplace limits.
WHY CHOOSE US
Coverage you can feel good about
With me, you’ll get tailored solutions and alternatives to expensive health insurance plans. Avoid the misleading quotes and fine print traps that most people run into and take control of your health today!
Private PPO-style plans
Marketplace subsidy guidance
Cost and benefit comparison
Concierge service
Private health insurance plans for
are you an existing customer and need support?
About us
A Little About Me
Im Shane Kaibney and I help people cut through the noise of the health insurance world. Most brokers throw random plans at you, skip the fine print, or tell you whatever gets the sale. I do the opposite.
I show you how the market actually works and guide you toward stronger, more cost-effective private PPO-style options when you qualify. My goal is to help you make an educated decision without the usual confusion or pressure.
Mission
To simplify health insurance and guide individuals, families, and business owners toward affordable private coverage with honesty and zero pressure.
Vision
To empower people to take control of their healthcare by making private insurance transparent, stress free, and tailored to their real needs.
Hear from Our Happy Families
Real stories and testimonials from those who trust us to care for their loved ones.
FAQs
What’s the difference between private PPO-style plans and Marketplace plans ?
Marketplace plans are government-regulated, income-based plans. Private PPO-style plans are health-based, often offer broader networks, and can be more cost-effective for healthy individuals and families. Pay for coverage you need – where you need it.
What types of health coverage do you offer?
I provide private PPO-style options, Marketplace plans, and specialized coverage for individuals, families, and business owners – depending on what you qualify for and what fits your situation best.
Do I have to be healthy to qualify for private PPO-style coverage?
Yes – these plans are health-based. I’ll help you understand if you qualify and what the best alternative is if not.
Are you licensed to help in my state?
Yes – I’m a nationally licensed advisor and can assist clients in multiple states.
Does it cost anything to work with you?
No. My guidance is completely free. You don’t pay extra for working with an advisor.
How long does it take to compare my options?
Most people get a clear breakdown of their strongest options in just a few minutes – no pressure and no long calls.
Can you help self-employed people or business owners?
Absolutely. I specialize in helping 1099 workers, contractors, entrepreneurs, and small businesses get more affordable and flexible coverage – often with options that can extend to their team.
Do you help with Marketplace subsidies?
Yes – I can verify whether you qualify for income-based subsidies and help you avoid misleading quotes.
Will you push me toward a specific plan?
No. My job is to break down the pros, cons, and costs so you can choose what actually fits your health, budget, and long-term goals.
What’s the first step?
Click “See Your Options” and I’ll send a simple, personalized breakdown based on your ZIP code and household details – no spam, no pressure.