Health Insurance
Coverage without the maze of networks, deductibles, and acronyms.
ACA marketplace, off-exchange, or supplemental — Pinnacle's licensed advisors walk you through the trade-offs so you pick a plan that actually fits your year ahead.
In plain terms
Health insurance covers your medical care — doctor visits, prescriptions, hospital stays, the routine stuff that keeps you out of trouble. Plans differ wildly on networks, drug coverage, and what a bad year actually costs you. We build the plan around your doctors, your prescriptions and your budget — in that order.
- Individual and family major medical
- ACA marketplace plans with guided subsidy enrollment
- Dental, vision, and accident supplements
- Hospital indemnity and critical illness
- Short-term coverage between jobs or before Medicare
The honest question
What are you paying now, and what does it actually cover?
Almost everyone can answer the first half without thinking. Almost nobody can answer the second. And that gap sits there quietly for years, costing nothing — until the year it costs everything.
What it costs
Most people find out what their plan doesn't cover at the worst possible moment.
You're already dealing with the diagnosis. Then you find out the specialist you were sent to is out of network, or the medication you now need every month sits in the expensive tier of your plan's formulary.
“The cheapest plan and the cheapest year are rarely the same plan.”
The part that matters
01We start with your doctors
Before we talk about price, we check whether the people you already trust are in the network. Switching doctors to save twenty dollars a month is not a deal.
02What the year costs, not what the month costs
The monthly price is one number out of four. What you pay before it kicks in, what each visit costs, and your worst-case ceiling all matter more.
03We check your actual prescriptions
One medication you take every month can completely change which plan wins. We run yours specifically instead of assuming it'll be fine.
04We check for help you might qualify for
Plenty of households qualify for cost assistance and never find out because nobody looked. We look first, before recommending anything.
Who it's for
Does this describe you?
- Self-employed and 1099 folks with no group plan to fall back on
- Families in the gap between two employer plans
- Anyone shopping this on their own for the first time
Your health history can't be held against you here.
This is the one place it genuinely doesn't count against you — major medical plans can't turn you down or charge you more for a pre-existing condition.
Who we shop for health coverage
A sample of the carriers we're appointed with for health coverage. Appointments change as we add partners; availability, plans and rates vary by state, and every application is subject to the carrier's own eligibility rules.
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