Stronger networks. Lower monthly costs. And straight answers from a licensed consultant, not a sales pitch.
Most brokers throw random plans at you and tell you whatever gets the sale. I do the opposite. First I show you how the market actually works. Then we find the option that fits your life.
Broader networks and stronger coverage for those who qualify. A lot of my clients end up paying less than they do now.
If the Marketplace is genuinely your best lane, I'll say so. Then I'll help you get the most out of your subsidy.
You get a side-by-side comparison you can actually read, so you know exactly what you're paying for and why.
One consultant from start to finish. When you call, I pick up. That doesn't change after you enroll.
I'm Shane Kaibney. Health insurance is confusing on purpose. Misleading quotes, fine print traps, brokers chasing a commission. My job is to cut through all of it, show you what you qualify for and what it really costs, and let you decide without anyone breathing down your neck.
It's free and there's no obligation. Grab a spot on my calendar and we'll go over your options together.
Answer four quick questions. No obligation, no spam, just your real options.
Shane will reach out shortly with your real options.
Want it even faster? Grab a time right now:
Book my consultation →Estimates are illustrative only. Your exact quote is personalized and confirmed by a licensed consultant.
"I've been working with Shane for about three years now. Whether it's finding us the best coverage, answering countless questions, or helping us navigate surgeries and policy changes, he's always been knowledgeable, responsive, and proactive. What stands out most is that Shane truly cares. I wouldn't hesitate to recommend him to anyone looking for an honest, trustworthy, dedicated insurance professional."
"I responded to a FB ad and wasn't sure it was legitimate. Shane provided all the information I needed to feel confident. He's friendly, easy to talk to, and looked for the plans and premiums that would work best for the two of us. He helped my husband and me out of an insurance pickle that saved us thousands of dollars. I've recommended him to friends and family and will continue to."
"I got everything my wife and I wanted, and my calls and texts are answered instantly. The plan I have now seems perfect. All my questions are answered on time and everything has been working smoothly."
Marketplace plans are government regulated and based on your income. Private PPO-style plans are based on your health, usually carry broader networks, and can cost less for healthy people and families. You pay for the coverage you need, where you need it.
Private plans are health-based, so it depends on your profile. I'll tell you honestly whether you qualify. If not, I'll point you to your strongest alternative.
I'm licensed in 30+ states. Reach out with your state and I'll confirm right away.
No. My guidance is free. The carrier pays me when you enroll, never you.
Never. I lay out the honest comparison and you decide. The zero-pressure thing is the whole point.
Book a consultation above. It takes a couple of minutes and there's no obligation.
Honest guidance, zero pressure. Here before, during, and after enrollment.
