For anyone who needs health coverage and wants a straight answer
Subsidy or no subsidy, you deserve to see every plan, not just the ones one website shows you.
Fifteen minutes with Adam, a licensed agent. Every plan you qualify for, side by side, in writing. If he can't beat what you have, he'll say so.
- 97 five-star Google reviews
- No cost, no obligation
- Licensed in 31 states
Most people don't know which lane they're in. So they guess.
You typed your income into Healthcare.gov and got a number. Maybe it looked great. Maybe it looked like a car payment. Either way you had no idea if that was the best you could do, because the site only shows one kind of plan.
Guess wrong and you either overpay all year or owe money back in April. Nobody explains that part up front.
What nobody told you: there are two lanes. Marketplace plans with subsidies for people who qualify, and private-market plans for people who don't. Most agents only work one. This team works both, so you get the right lane the first time.
Someone should have shown you that a long time ago. That's what the Coverage Check is for.
How the Coverage Check works
Three steps. No homework. Nothing to download.
1Tell us the basics
One minute on the form. Your state, who's in your household, and roughly what you make. That tells us which lane you're in and which plans to pull before anyone calls.
2Take the 15-minute call
Adam shares his screen and walks you through every option side by side, Marketplace plans included. Real numbers, plain English, no pressure. Ask anything.
3Decide with the facts in front of you
If there's a better fit, Adam handles the paperwork. If your current plan wins, he'll tell you that too. Either way, you finally know.
Why people in your line of work call Adam
Two agents, two lanes, one honest answer.
Crystal handles the Marketplace and short-term plans. She knows the subsidy math cold and has gotten families onto low-cost and no-cost plans they didn't know existed. Adam works the private market for self-employed people, business owners, and families over the subsidy line. One call, and whichever of them is right for you takes it from there. Everything in writing, even if the answer is keep what you have.
Book My 15-Minute Coverage CheckWhat people say after the call
Real Google reviews, quoted word for word. Five stars across 97 of them.
- ★★★★★
I had a great and easy experience working with Adam. Very professional and informative, he helped make the process of registering for insurance easy. I definitely recommend anyone looking for private insurance to go with Adam W.
- ★★★★★
Adam was fast and thorough. He answered all my questions and customized my coverage to what I needed and kept it in a price range I could afford!
- ★★★★★
Adam is fantastic! He walked us through every option in detail and made the whole process easy to understand. Thanks to his guidance, we found the best plan for our family without any stress.
Who you'll actually talk to
A husband and wife who know the system. Not a call center.
Adam and Crystal Winter run Next Level Health & Life together. Adam works the private market, the plans built for self-employed people and families who make too much for a subsidy. Crystal specializes in the Marketplace and short-term options, so if a subsidy is the smarter move for you, Adam loops her in and she takes it from there.
Between the two of them, every situation gets an honest answer. Licensed in 31 states. Reachable at (954) 806-9897. And when you call back with a question next March, you get the same two people.
What if you do qualify for a subsidy?
Then you'll hear it from Adam on the call, not find out later. When the numbers say the Marketplace is your best deal, he'll say so, then put you and Crystal in a group text so she can get you enrolled there. Same team, same honest answer. You won't get talked into a private plan that costs you more. That's the whole point of the check.
The questions people ask before they book
What if I qualify for a subsidy?
Then Crystal takes the call and gets you every dollar of it. You'll see the real monthly cost after the subsidy, not the sticker price.
What if I make too much for a subsidy?
Then Adam shows you the private-market plans the Marketplace doesn't list, side by side with what you have now. Most people in this lane have never seen them.
Is this actually free?
Yes. Licensed agents are paid by the carrier when you enroll, and the price is the same whether you use an agent or not. You pay nothing for the call or the comparison.
Is this actually free?
Yes. The Coverage Check costs nothing and you don't owe us anything afterward. Like every licensed agent, we're paid by the insurance carrier if you enroll in a plan, and that never changes your premium. Adam works with a specific private-market carrier and Crystal covers the Marketplace and other options, so between them you see the real choices.
What is a "private-market" plan?
Health coverage sold outside the government Marketplace. These plans aren't eligible for subsidies, which is why Healthcare.gov doesn't list them. For households above the subsidy line, they're often a better fit on price, network, or both. Adam will tell you which applies to you.
Do I have to wait for Open Enrollment?
Not for most private-market plans. Many can start the first of next month. Marketplace plans follow the Open Enrollment calendar unless you have a qualifying life event, and Crystal can walk you through that.
Will you ask about my health?
Not on this form. We only ask for what we need to pull the right plans: where you live, household size, and a rough income range. Anything a specific carrier requires later, Adam explains on the call before you share it.
What happens after I submit?
You get a text right away confirming we received it. Then Adam calls from (954) 806-9897, usually within minutes during business hours. If you miss it, he'll text to find a better time. No robo-dialers, no call center.
I already have a plan. Is this still worth it?
That's the best time to do it. Adam compares your current plan line by line against what's available. If yours wins, he says so and you keep it with peace of mind. If it doesn't, you'll see exactly why.
Fifteen minutes.
Fifteen minutes. Then you know which lane you're in, what it really costs, and whether what you have is already the best deal.
Open Enrollment runs November 1 to January 15. Coverage that starts January 1 has to be locked in by December 15. Fifteen minutes now beats a rushed decision in December.