Your situation. Your budget. Your plan.
Tell me what your family actually needs. I'll find options built around that, including any you may qualify for. Then I explain them in plain English so you can decide.
- One licensed agent, not a call center
- Marketplace and private plans, side by side
- No cost and no pressure. You make the call.
What's going on with your coverage?
Pick the one that sounds like you. I'll show you what I'd look at first.
Most people I talk to say one of these
I pay every month and I still don't know what my plan covers.
We'll go through it together: your , your , and what a hospital stay would actually cost you.
My premium keeps going up and nobody explains why.
I compare what you pay now with what you may qualify for, including options that aren't on the Marketplace.
I'm paying for things my family never uses.
I start with what you actually use: your doctors, your prescriptions, your budget. Then we see what you can stop paying for.
One big medical bill could wipe out my savings.
We look for a setup that protects you from the big hit first, then fit the monthly cost to your budget.
Insurance words, in plain English
Tap any underlined word on this page for a quick explanation. Here are the ones people ask about most.
What happens after you book
I call you at your time
A 15-minute call. I ask about your doctors, your budget, your health needs and what you have now.
I build your options
Marketplace plans and private plans side by side, with every monthly cost and what you'd pay if something happens.
You make the call
No timeline and no pressure. If you move forward, I handle the paperwork. If not, you still know exactly where you stand.
- Your current plan card or bill
- Your doctors' names
- Your medications
- A rough household income
Shopping on your own vs. with me
| On your own | With me | |
|---|---|---|
| Who compares the plans | You, one website at a time | I do, Marketplace and private side by side |
| What your plan covers | Whatever the package comes with | Built around what your family actually uses |
| Who you talk to | Whoever answers the call center | Me, the same person every time |
| You figure out if you qualify | I check what you may qualify for | |
| Your doctors | You search each network | I check your doctors against each plan's |
| What it costs you | Nothing | Also nothing. The review is free. |
| Next year | You start over | I re-check your plan before it renews |
I'm Brenden, and my job is your plan
I'm a licensed health and life insurance agent with America First Healthcare. I came from mortgages and sales, where I learned that people don't want a product. They want their problem solved by someone who explains it straight.
So that's how I work. I listen first, show you what you may qualify for, and help you pick what fits your budget and your life. Protecting what matters most.
What people ask me before they book
Can I change my health insurance right now, or do I have to wait?
It depends on what's going on. runs Nov 1 to Jan 15 for Marketplace plans. Losing job coverage, moving, marriage or a new baby usually opens a . Some private plans can start any time of year.
What if I'm healthy and barely go to the doctor?
Then you may be paying for coverage you don't use. We look at options that keep the monthly cost down while still protecting you from a big bill.
Will I lose my doctor?
Tell me who your doctors are and I'll check each plan's before you choose.
What does the review cost?
Nothing. The review is free and there's no obligation to buy anything.
Is this real insurance?
I work with major carriers and the Health Insurance Marketplace. If an option is a health share or a supplemental plan rather than major medical, I'll tell you exactly what it is and what it isn't.
What if my current plan is already good?
Then I'll tell you. Plenty of reviews end with "keep what you have."
Let's find what fits you
A few quick questions, then pick a time that works for you.
Rather talk now? Call or text 407-652-2666