Be truly covered, not just insured.
Deductible too high, too expensive to add your family, worried about losing coverage with your job? We analyze your employer plan and tell you clearly whether to keep it, optimize it, or replace it.
Your reality as an employee in the US
Your insurance depends on your job.
If you lose your job, your coverage generally ends at the end of the month. COBRA lets you keep it, but at full price, without your employer's contribution. And it's often the worst time to get sick.
You pay for insurance you're afraid to use.
Your share is deducted from every paycheck, but the deductible is so high you pay almost everything yourself. You hesitate before every doctor's appointment.
Adding your family costs a fortune.
Your employer covers a good chunk of your own coverage, much less your spouse's and kids'. The price jumps the moment you add someone.
Optimize or replace: we tell you which
The right choice at your employer
Sometimes the best option is already in your benefits guide. We show you which one.
A separate plan for your family
If adding your loved ones costs too much, we compare it against a private family plan.
Coverage that follows you
A private plan doesn't depend on your employer — it stays in place if you change jobs.
We don't just send you a quote. We explain it.
Same options, same employer. What changes is what you understand before you choose.
The cheapest option every month isn't always the cheapest over the year.
Your questions
“Can I opt out of my employer's plan?”
Yes. But you lose their contribution, and your premiums are no longer deducted pre-tax. We compare both options, with real numbers, before you decide.
“If I lose my job, what happens?”
Coverage generally ends at the end of the month. COBRA lets you keep it at full price. Losing coverage also opens a special 60-day window to choose a new plan.
“Can I change plans during the year?”
With your employer, usually only at Open Enrollment or after a life event: marriage, birth, loss of coverage. We help you prepare for the next window.
“How much does your guidance cost?”
The analysis and comparison are free.
Get your employer plan analyzed
Get Your Free Consultation
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