Lower Premiums
Private plans can cost less than what many people pay through an employer or the exchange. I’ll show you real numbers for your age, state, and household.
Independent Health Insurance Broker
Better Coverage. Better Pricing.
Lower premiums and stronger coverage for business owners, self-employed professionals, non-profits & families.

Why People Call Zac
Many people pay too much through work or the Marketplace and still face high deductibles and narrow networks. As an independent broker, I compare private plan options side by side so you can see what you could save.
Private plans can cost less than what many people pay through an employer or the exchange. I’ll show you real numbers for your age, state, and household.
Options with nationwide provider networks, so you can see doctors you trust. HSA-eligible choices, plus dental and vision.
One call, one broker. I shop multiple top-rated carriers for you, explain the fine print in plain English, and stay with you after you enroll. My time costs you $0.
Who I Help
Business Owners
Coverage for you, your family, and your employees without the big-group price tag. Built for contractors, trades, and small teams.
Small-business health benefitsNon-Profits & Churches
Affordable options for pastors, staff, and team members who give so much to others. I’ll walk your board or staff through choices in plain English.
Options for your organizationIndividuals & Families
Individual and family plans built around your budget and your doctors, whether you’re between jobs, early retired, or tired of high premiums.
Private coverage under 65Also available: Term Life & Final Expense insurance.

Meet Zac
I’m an independent broker, contracted to offer Health Insurance in all 50 states and Life Insurance in many.
My goal is to help individuals, families, and small businesses navigate an insurance world that can be confusing, expensive, and overwhelming.
For individuals and families, that might mean finding affordable health coverage outside of an employer plan, comparing options when you’re self-employed, between jobs, or simply unhappy with what you’re currently paying.
For small businesses, I understand the challenge from the other side. Healthcare costs can put a tremendous burden on both the employer and the employee, and finding quality coverage that doesn’t break the budget isn’t easy.
My approach is simple:
I’m not here to sell you something you don’t need just to make a commission.
If I can help you find better coverage at a better price, protect your family with the right life insurance, or simply help you understand what you’re currently paying for, then I’ve done my job.
Whether you’re an individual, a family, a business owner, or an employer trying to take better care of your team, I’d love the opportunity to help.
So, here’s to a new chapter, a new business, and hopefully the opportunity to help a lot of people along the way.
Free Quote • No Obligation
Fill out the form and I’ll personally reach out with options. Prefer to talk now? Call, text, or email me.