The Health Advocate

“I would like to have this or better.”
The subject line of an email I received last March
From a newly self employed consultant, family of 4

They had attached their former employer’s benefits package and asked if I could match or beat it.

And believe me, I would have loved to
But that just wasn't going to happen

And it won't for you either if you're coming from a good corporate benefits package

When you leave W2 life and venture into self-employment, you’re also leaving behind a subsidized group benefits structure.

Those employer plans?

→ Negotiated group rates
→ With Cost-sharing between employee and employer
→ Robust benefits designed to cover most things with little out of pocket expenses

Once you’re out on your own, the landscape changes.

• ACA plans? Without a tax credit subsidy they're often super expensive with limited networks.
• Private options? Better flexibility and savings for healthy high earners, but still a different structure.

It's not as simple as checking a box among 3 plan options during company open enrollment

- You will likely have 50+ quotes to choose from, for one
- HMO, PPO, EPO, POS networks to choose from
- Lots of deductibles(mostly high, though)
- Differing copays, travel constraints, and even pre existing condition clauses to weigh if you are looking at private options

Whereas your corporate options were well structured, easy to choose from and convenient
The individual space is chaos

But it’s not all bad news...
You just have to keep it in perspective.
Almost nothing in your life will look the same once you go solo

So why would Health Insurance be any different?
New playing field, new rules

DM me “OPTIMIZE” to get a free health coverage audit and I’ll help you make sure you’re not just winging it, but getting the best bang for your buck

If you just got laid off
COBRA could cost you big
In excess of $2,000 a month big

If you’re wondering what to do about this, listen up -

Last year I worked with a family of four who had been on COBRA after a job change.

They were paying $2,000 a month to keep their employer-sponsored health coverage

A premium they’d been paying for nine months

—> Unaware there were other options on the table that entire time.

They were healthy.
No ongoing treatments.
Just sticking with what they knew.

When we connected, we ran the numbers, reviewed their needs, and made a switch to a private PPO health plan with dental, and vision....for just under $1,200 a month.

Same peace of mind.
$800 a month in savings.

They paid $7,200 more than they needed to in 2025 alone and not because they had to, but because they didn’t know there were alternatives.

And to be clear, I’m not saying COBRA is always the wrong move. It has its place, and sometimes it’s the right call.

But too often,

People take it out of convenience.
Because it’s familiar.
Because it’s easy to just keep paying.

That decision could needlessly cost you thousands of dollars.

Especially if…

You're healthy,
Not in the middle of treatment
Not taking many medications, if any
And want to be sure you’re making the most of your options

It’s 100% worth having this conversation.

The worst thing you can do is assume it’s COBRA or nothing

Keep your options open:

Call/text: 859-270-5867
Email: [email protected]
Or send a message

Free health insurance quote anyone?
Only takes 5-10 minutes to see what savings you could qualify for. Send a DM if you’d like a quote!