Most self employed individuals and small business owners are paying too much for health insurance.Our mission is to educate them with insurance options, not available to brokers, that can save them money, offer better benefits and give them peace of mind.
Health Insurance has become one of the largest entry in our Accounts Payable only second to payroll.With marketplace options continuing to increase year after year with no future reduction self-employed and small business owners need options outside ACA plans.
We help by providing a different approach and educating you on all options available in the market.Some of these options are able to reduce your premiums by 30-40% right now and they lock in your rates from 12 to 24 months.
However, these options are not available to brokers.This is where we come in.Best of all we manage it all for you and we get paid by the insurance company so it's of NO COST to you!
Thirty years as a business owner with ahealthcare background gives me a great perspective and ability to guide you thru the maze of health insurance plans available. The more the market changes the more you need someone with experience.
I am licensed in: AL, AR, AZ, CO, DE, FL, GA, IA, IL, IN, KS, KY, LA, MD, MO, MI, MS, NC, NE, NV, OH, OK, PA, SC, TN, TX, UT, VA, WI, WV, WY
Our Main Services
Our goal is to maximize tax benefits as well place you in the best plan based on your individual and/or company needs.We have the ability to customize each plan.
Employee retention is extremely important.We show you ways to shelter your business from constant yearly premium increases in a way that is beneficial to the company and your staff.
Don't need full coverage plans?We have benefits available cafeteria style so you may increase your protection without affecting your current benefits.
Choosing insurance plans can be difficult and it's all very expensive! That’s why I make it easy. I’ll research all the plans in your area, compare the plans and prices, and setup a time to meet with you online to show you what I find for you based on your needs. Best of all, my help is at no cost to you.
No Tax Issues...
I work with nationally recognized insurance companies to give you the quality, affordable insurance you’re looking for.These plans are designed for the self employed and not available on the marketplace.They can save you money and improve your benefits.Another plus are the Tax Benefits and you'll never have to pay premiums back due to subsidies.
Feedback from Clients
Why you should hire our firm.
"Ernest is very honest & forthright in dealing with you to provide you with the best possible coverage for your needs!"
- Ira Smith
"I have had the privilege to hear Ernest speak and have been able to interact with him. I have been impressed by his professionalism and his willingness to help his clients. I highly recommend. "
- Jeff McGuire
"Ernest Diaz Is an absolute pleasure to work with and is extremely knowledgeable with the health insurance industry! He has a way of explaining everything that makes it simple and easy to understand. Highly recommend!"