Get a Free Second Opinion on Your Health Plan
Bought a plan and not sure it was the right call? Got a quote that sounds too good, or too confusing? Send it to me. I'll tell you in plain words what you have, what it costs you, and whether something else would fit better. Sometimes the answer is to keep what you've got.
Who this helps most
- Your premium went up and you want to know if you're still getting a fair deal.
- You enrolled online on your own and never had anyone explain the plan.
- Someone sold you a plan over the phone and the claims aren't going the way you expected.
- You're self-employed or retired early and your income changed.
- You have a quote in hand and want a second set of eyes before you sign.
What I often find
Paying for coverage you don't use
A higher metal level or lower deductible than your actual doctor visits justify.
A tax credit that's off
An old income estimate can mean a smaller credit now, or a bill at tax time.
Not what it seemed
Limited-benefit or membership-style products sold as if they were full health insurance.
Doctors out of network
A plan that looked cheaper but doesn't include the doctors you see.
How it works
- Send me what you have. The benefit summary, an ID card photo or the quote, plus what you pay each month.
- We go through it together. A short call or video where I walk you through what the plan does and doesn't cover.
- You get my honest take. Keep it, adjust it at open enrollment, or compare it with Marketplace and private options. Your call.
Request your review
Leave your details and I'll reach out to set up a time. If you'd rather read first, the plan review guide and how to read a quote cover what I look at.
Common questions
Is the second opinion really free?
Yes. There's no fee, and you're under no obligation to switch. If your current plan is the right one, I'll tell you to keep it.
What should I have ready?
Your plan's benefit summary or ID card, what you pay each month, and the doctors and prescriptions you want to keep. A screenshot or photo is fine.
Can you review a quote I got somewhere else?
Yes. If someone quoted you a plan and you're not sure what it is or whether it's a fair price, send it over and I'll explain what you'd actually be buying.
What if I'm happy with my plan but my price went up?
That's one of the most common reasons people call. I'll check whether a different Marketplace plan, a private plan or a change to your income estimate could bring the cost down.
Ready for a straight answer?
No cost and no pressure. I'll give you a straight answer, by phone or video, in English or Spanish.