Low Risk = Low Cost Health Insurance
Hi, I'm Vince Murray.
You responded to my ad on Facebook, so I wanted to follow up personally — not with a script, just an introduction. I don't love telemarketers, and I don't want to be one either. So consider this me putting a face to a name, and making it easy to reach a real person when you're ready. Because we ask a few qualifying health questions, we're also able to find great insurance plans for "the rest of us," too.
The calendar sets aside 30 minutes, in case you have additional questions.
Where does your health coverage actually come from?
Three common paths people take to get covered — and where the gaps tend to hide.
Health Insurance Marketplace
The individual ACA exchange
- Premiums can run high without financial assistance
- Deductibles are often steep before coverage kicks in
- Coverage is guaranteed, even with pre-existing conditions
- Subsidies may lower your cost, depending on income
Group & Employer Insurance
Coverage through a job
- Plan quality varies widely — some employers offer great coverage
- Employer size shapes plan options and bargaining power
- Plan types range from HMO to PPO to high-deductible plans
- Employer contribution makes a big difference in real cost
The Rest of Us
Small business owners & independent contractors
- Small business owners and independent contractors
- From plumbers to CPAs to real estate agents
- No employer group plan to fall back on
- Needs coverage that's flexible and fits variable income
THE PROBLEM
Costs have climbed sharply since the ACA's first year — for a typical family of four with parents in their 40s.
Health Marketplace
Family of four, unsubsidized estimate
- 2014: about $830/month ($9,960/year)
- 2020: $1,437/month ($17,244/year) — up 73% in 6 years
- Insurers are requesting median increases of 18–26% for 2026 alone
- Today's estimate: $2,000+/month before any financial help
Group & Employer
Average family premium, national
- 2014: $16,834/year on average
- 2025: $26,993/year on average
- A $10,159/year increase — about 60% in a decade
- Workers now pay $6,850/year of that, on average, out of pocket
Where This Comes From
Cited, not guesswork
- KFF Employer Health Benefits Survey, 2014 & 2025
- eHealth ACA Index Report, 2020
- Peterson-KFF Health System Tracker
- KFF analysis of 2026 marketplace insurer rate filings
Figures are national averages before subsidies. Actual costs vary by state, income, and plan.
ABOUT US
Protecting What Matters Most — Your Health, Your Life, Your Future.
Who We Are
We believe that true peace of mind comes from being prepared. That’s why we offer comprehensive insurance solutions designed to protect what matters most — your health, your loved ones, and your valuable assets.
Because we are an independent agency we strive to find you the Best plan for the lowest cost.
Our Mission
With years of experience in the industry, our mission is simple: to provide reliable, affordable, and easy-to-understand insurance plans that suit your lifestyle and needs. Whether you're looking for coverage for medical expenses, and future financial security for your family, we’re here to help every step of the way.
WE HELP Small Business owners/ 1099 People just like you
Putting You First -WE HELP Small Business owners just like you
Whether it’s safeguarding your health, securing your family’s future, or protecting your valuable assets, our comprehensive plans are designed with your unique needs in mind. Trust us to stand by your side today and every day ahead.
Why are we different?
Value-We don't have to participate in over priced Health marketplace plans.
Experience- Some of our companies have been around for literally 200 years.
Quality- We are proud to offer a plan for your exact situation.
Caring- Genuine belief that if we wouldn't sell this to your Mother we won't sell it.
We are proud of what we have to offer and are genuinely excited to help people save money while knowing your family will be protected long term.
If you are Low Risk we can find you Low Cost.
Low Risk = High Quality affordability.
We pride ourselves on our customer-first approach, offering personalized support and guidance so you can make informed decisions with confidence. You’re not just a policyholder — you’re part of our family.
Whether you are a small Business owner, indepedent Contractor, or anyone else who has been denied great Insurance. We want to help you.
Frequently Asked Questions
What types of insurance plans do you offer?
We provide a variety of insurance options including health insurance, life insurance, — all designed to protect you and your family from life’s uncertainties. PPO Network plans, Employer Group Health plans.
How do I know which insurance plan is right for me?
Our experienced advisors are here to help! How old are you, how many people are we covering, and what State are you in. We assess your lifestyle, needs, and budget to recommend the best coverage tailored just for you.
Can I customize my insurance coverage?
Yes! Many of our plans offer flexible options so you can choose the coverage that fits your unique situation.
Can you help if I already have insurance?
Yes! Even if you're currently insured, we can review your existing plan to see if you're overpaying or missing out on better benefits. Many clients are surprised to find more affordable or more comprehensive options available.
How long does it take to get coverage after purchasing a policy?
Coverage typically can begin immediately after your application is approved and payment is processed. Specific timelines may vary depending on the type of insurance.
