Better Coverage For Less
Health Insurance | Small Business Plans

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Meet Your Agent: Ernest Diaz


 
Diaz profile
Are you frustrated that your health insurance goes up every year while you see your benefits continue to decrease?

We have access to options, not available thru brokers that will save you up to 40% on your premiums without sacrificing benefits.

At Better Coverage Consultants Health Insurance, we are dedicated to you and understand that each and every client has different insurance needs. That's why we offer different policies and coverage options and will help you choose the one that's best for you. We've been providing outstanding customer service for many years and  our most important goal is to make you a happy, life-long customer.

Thirty five years as a business owner in
healthcare gives me a unique 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.

 

Licensed in: AL, AR, CO, DE, FL, GA, IA, IL, IN, KS, KY, LA, MD, MO, MI, MS, MT, NC, NE, NV, OH, OK, SC, SD, TN, TX, UT, VA, WI, WV, WY

 
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Frequently Asked Questions
 

How can Better Coverage Consultants save me money on health insurance?

We have access to plans and strategies that most people don't know exist — including private plans not available on the public marketplace. For small businesses and entrepreneurs, we can often reduce premiums by 40–50% compared to marketplace alternatives, while maintaining strong coverage and benefits. We also help maximize tax deductions related to your health insurance costs.

Do you offer free quotes?

Yes. We always offer a free, no-obligation quote on any insurance coverage option you are interested in.

Do I need to come to your office to get a quote?

You are more than welcome to visit us at our office or you can call us over the phone to receive a quote. We want you to choose whichever is most convenient for you.

What types of insurance do you offer?

We offer many insurance options including Individual, Group, and Ancillary health coverage. Contact us and one of our agents will happily discuss our coverage options.

Do you only handle health insurance?

Our primary focus is health insurance, but we also help clients with ancillary coverage that works alongside their primary plan — including dental, vision, life insurance, accident coverage, and disability protection.

Can you help me if I'm self-employed or a freelancer?

Absolutely — this is one of our core specialties. Self-employed individuals face unique challenges finding affordable coverage without an employer to subsidize costs. We specialize in identifying plans that maximize your tax benefits and provide the coverage you need, often at significantly lower premiums than marketplace alternatives.

What type of coverage is best for self-employed individuals?

It really comes down to which is better for YOU. Everyone has different needs at different stages of their life. Other factors including budget and marital status might influence your decision on which one to choose. One of our knowledgeable agents can help explain the difference between the coverage options and help you make an educated decision.

What tax benefits are associated with health insurance for the self-employed?

Self-employed individuals may be able to deduct 100% of their health insurance premiums from their taxable income. Additionally, certain private plans we work with offer tax advantages and avoid the subsidy repayment issues that sometimes come with ACA marketplace plans. Better Coverage Consultants will walk you through what applies to your situation.

What is the difference between ACA marketplace plans and private plans?

ACA (Affordable Care Act) marketplace plans are government-regulated and may qualify you for subsidies based on your income. Private plans, available outside the marketplace, are offered through nationally recognized insurance carriers and often provide broader network access, lower premiums, and benefits not available through the marketplace. We evaluate both options to find what's best for your specific situation.
 
What if I need coverage for my entire family?

Better Coverage Consultants offers individual and family plans tailored to households of all sizes. We will account for everyone who needs coverage and find options that balance cost and benefits across your whole family.

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