An independent advisor, not a call center
Swierc Health helps people who buy their own coverage understand what they are buying — and helps employers build benefits their teams actually value.
Why this practice exists
Health insurance is one of the largest line items in a household budget or a small company's payroll, and most people buy it with almost no guidance — clicking through a website at midnight, or taking whatever a lead-generation call center pitched first.
Swierc Health was built to change that. It is an independent agency, appointed with multiple carriers, which means the recommendation is driven by your doctors, your prescriptions, and your budget rather than by one company's product shelf.
The standard is simple: nobody enrolls in a plan they cannot explain. Before you sign, you should know your deductible, what happens in a bad year, whether your specialist is in network, and what each prescription will cost.
And the relationship does not end at the application. When a claim is processed incorrectly or a card never arrives, you have a named advisor who already knows your file.
How we work
Comparison before recommendation
Every recommendation follows a written side-by-side of real plans, with your doctors and prescriptions verified against each one. See how it works.
Plain language, always
Deductible, coinsurance, formulary tier, out-of-pocket maximum — you should be able to explain your own plan to a friend by the time you enroll.
The whole shelf
ACA Marketplace coverage, private and PPO plans, and supplemental layers quoted together rather than one at a time.
No pressure, no fee
If your current plan is the right one, that is the advice you get. There is no cost either way.
Service after the sale
Claim problems, ID cards, newborns, mid-year moves, and renewals all come back to the same advisor.
Local expertise, national reach
Licensed across 31 states, so coverage follows clients when work or life takes them elsewhere. See the licensed states map.
Who we serve
Licensed in 31 states, working with clients who buy their own coverage and with employers building a benefits program for the first time.
Questions about working together
- What does independent mean?
- We are appointed with multiple insurance carriers rather than employed by one, so the recommendation is not limited to a single company's products.
- Do you charge for advice?
- No. Premiums are filed with each state's department of insurance and cost the same with or without an advisor; carriers pay commission after enrollment.
- Are you affiliated with the government?
- No. Swierc Health is a private, independent insurance agency and is not connected with or endorsed by any government agency.
- Can we work together if I am not in your state?
- We are licensed in 31 states. If yours is not one of them, reach out anyway and we will point you toward a trustworthy advisor who is appointed there.
Talk with an independent health insurance advisor
Tell us a little about your household or business and you will get a written comparison of your real options — no cost, no obligation, no call-center handoff.
- Response within one business day
- Written side-by-side plan comparison
- Doctors and prescriptions checked before you enroll
- Same advisor at renewal and for claims questions
By submitting the form you agree to be contacted about health insurance options. Your information is never sold.