Health Insurance Advisor

Coverage thatactually fitsyour life and business.

Swierc Health helps individuals, families, and business owners cut through health insurance noise — comparing real plan options side by side, explaining the fine print in plain English, and staying with you long after enrollment closes.

Request Your Quote See Licensed States

31: States licensed
$0: Cost to work with an advisor
Independent: Not tied to one carrier

Swierc Health insurance advisor portrait

Meet your advisor

A real person on your side of the table

Health insurance is one of the largest line items in a household or payroll budget, and most people buy it with almost no guidance. Swierc Health exists to change that: an independent advisor who compares carriers and plan designs objectively, prices out the real trade-offs, and makes sure you understand exactly what you bought before you sign.

Because the practice is independent, the recommendation is driven by your doctors, your prescriptions, and your budget — not by one carrier's product shelf.

Licensed, independent health insurance advisor
Appointed in 31 states across the country
Individual, family, self-employed, and small group coverage
Year-round support — claims questions, renewals, life changes

Who we help

Two very different problems. One advisor.

For individuals & families

Coverage without the guesswork

Between the marketplace, private plans, and everything advertised online, it is nearly impossible to compare apples to apples. We map your doctors, prescriptions, and expected care against real quotes, then show you what each option costs in a good year and a bad one.

Marketplace and subsidy eligibility review
Private and short-term medical alternatives
Dental, vision, accident, and critical illness add-ons
Life changes: new job, baby, move, divorce, aging off a parent's plan

For business owners & self-employed

Benefits that hold your team

Whether you are a one-person LLC or a growing team of 40, benefits decide who stays. We model group plans against individual coverage and reimbursement arrangements so you can offer something competitive without blowing up the budget.

Small group medical, dental, and vision
Self-employed and 1099 contractor strategies
Level-funded and cost-containment options
Renewal negotiation and employee enrollment support

What we place

Every layer of the coverage stack

Most people do not need one product — they need the right combination. Here is the shelf we work from when we build your plan.

ACA Marketplace

Subsidy-eligible major medical with full essential health benefits and no pre-existing condition exclusions.

Private & PPO Plans

Off-exchange major medical and PPO networks for households that earn past subsidy thresholds.

Short-Term Medical

Gap coverage between jobs, after a layoff, or while waiting on a group plan start date.

Family Coverage

Split-family strategies when one spouse has employer coverage and the rest of the household does not.

Dental & Vision

Standalone dental and vision plans that pair with major medical instead of duplicating it.

Accident & Critical Illness

Cash-benefit policies that absorb the deductible when something serious actually happens.

Hospital Indemnity

Fixed daily benefits for inpatient stays — often the cheapest way to blunt a high deductible.

Small Group Benefits

Employer medical, dental, and vision packages with enrollment and renewal handled for you.

Self-Employed Plans

Coverage designs built around 1099 income, variable earnings, and business tax treatment.

Trusted guidance, nationwide reach

Licensed in 31 states

Local expertise, national connections, real results. Tap any highlighted state to see coverage details and start a conversation.

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Select your state

Search or pick from the list below — your choice carries into the quote form.

31 states and growing. Do not see yours? Ask anyway — new state appointments are added regularly.

How it works

Four steps, zero cost to you

Advisors are compensated by the carriers, so the guidance costs you nothing and the plan price is identical to going direct.

01
Discovery call
Fifteen to thirty minutes on your doctors, prescriptions, expected care, household income, and budget ceiling. No pressure, no application yet.
02
Plan comparison
You get a written side-by-side of real quoted options — premium, deductible, max out of pocket, network, and drug tiers — with the trade-offs spelled out.
03
Enrollment handled
We complete the application together, verify subsidy documentation, confirm effective dates, and make sure ID cards and billing actually show up.
04
Year-round support
Claim denials, provider changes, renewals, and life events go through your advisor instead of a call center queue. Same person every time.

Why independent

The advantage is objectivity

Multiple carriers, one conversation

A captive agent shows you one shelf. An independent advisor quotes across carriers and tells you when the cheapest plan is the wrong plan.

Same price as going direct

Premiums are filed with the state. Using an advisor does not add a fee or a markup — you simply get a professional in your corner.

Subsidies calculated correctly

Income estimates, household size, and affordability rules decide thousands of dollars a year. We model them before you enroll, not at tax time.

Networks checked, not assumed

We verify your physicians and prescriptions against the plan's actual network and formulary before the application is submitted.

Built for messy situations

Mid-year job changes, 1099 income, pre-Medicare gaps, growing teams — the cases that break online quote engines are the normal work here.

One advisor, long term

You keep the same contact through renewals and claims. Nothing gets re-explained to a new rep every year.

Questions

Straight answers

Get started

Request your no-cost plan review

Tell us a little about your household or business and you will get a written comparison of your real options — no obligation, no cost, no call-center handoff.

Response within one business day
Written side-by-side plan comparison
Doctors and prescriptions verified before you enroll
Same advisor for renewals and claims questions