Tired of Overpaying for ACA / ObamaCare Health Insurance?

Utilize in-network healthcare through one of the largest provider networks in the country and enjoy $0 copays for office visits, specialists, urgent care, labs, MRIs, CAT scans, X-rays, and more.

These private health plans offer a small inpatient deductible, and most people save 30%–70% compared to ACA/ObamaCare premiums.

Insurance coverage is underwritten by Philadelphia American Life Insurance Company and New Era Life, with Philadelphia American as a leading provider.

Affordable Health Insurance Alternatives

$0 copays for Doctor, Specialist, Urgent Care and Procedures (CAT Scans, Labs, MRI, Xray's etc)

$0 deductibles

$0 max out of pocket

$ very low deductible for overnight inpatient

And the best part - most see a 30% to 70% monthly savings

Affordable Health Insurance

Schedule Your Free Health Insurance Consultation

Take the first step toward affordable, personalized health insurance. Schedule your free consultation to explore coverage options, discover potential savings of 30%–70% compared to ACA/Obamacare, and get guidance on in-network services, $0 copays, and low deductibles. Our licensed insurance specialists will provide a no-obligation quote tailored to your needs.

How This Is Better Than ACA / ObamaCare

Lower monthly premiums

$0 copays for common services

Large nationwide provider network

Small inpatient deductible

Who Is Brian Michaud?

NPN 8499864

Maine native and U.S. Navy veteran, Brian is a proud father and grandfather with a strong commitment to helping individuals and families secure the right insurance coverage with confidence.

Why Choose a Smarter Alternative to ACA/ObamaCare

about US

We help individuals and families replace expensive ACA/ObamaCare plans with affordable private health insurance. Our focus is on providing clear options, real savings, and coverage you can trust—without the stress.

Insurance Carriers

By partnering with trusted national carriers like Philadelphia American Life Insurance Company and New Era Life, we make it easy to access in-network care, enjoy $0 copays for everyday services, and lower your monthly premiums. Philadelphia American is rated A- by AM Best and A+ by the Better Business Bureau, giving you confidence in a financially strong, reliable carrier.

Why Choose Us

Most clients save 30%–70% compared to ACA/ObamaCare premiums while maintaining access to in-network care and $0 copays for many services. We provide transparent comparisons so you can see exactly how much you may save before making any decisions.