Health Insurance
Major medical for individuals and families, ACA / Pennie or off-marketplace. We check your subsidy so you never leave money on the table.
- Marketplace plans compared side by side
- Doctors & prescriptions confirmed in-network
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Independent health & Medicare brokers
The clear choice for your healthcare needs.
Our licensed agents work closely with you to find flexible, comprehensive coverage tailored to your needs and your budget. Our help is free.
Entirely free to you
No hidden costs
Over a decade of experience
A few of the carriers we work with
UnitedHealthcare
Aetna
Cigna
Highmark
Ambetter
Blue Cross Blue Shield
& many more
Why choose us
We don't push plans. We find what fits.
We take the time to understand your situation and recommend coverage based on what actually makes sense for you, not on what pays us the most.
Don't qualify for a subsidy? No problem. We offer alternative coverage options built to fit your needs.
01
Entirely free to you
Our services cost you nothing. The carriers pay us, so you get expert help without adding a cent to your premium.
02
Tailored to you
Plans built around your unique needs and budget, not a one-size package pulled off the shelf.
03
Support for every concern
Questions after you enroll? We stay on as your point of contact for renewals, claims, and life changes.
04
No hidden costs
Transparent policies, plain English, and no fine print surprises. You know exactly what you are buying.
05
A trusted reputation
Decades of combined experience helping families choose coverage they can count on when it matters.
06
Rooted in service
We carry a service mindset into every conversation: honest, patient, and always client-first.
Our services
Coverage for every stage of life.
Whatever stage you are in, there is a plan that fits. Here is what we help families sort through, matched to what you actually need.
Medicare
Aging in comes with deadlines and noise. We walk you through Advantage vs. Supplement and drug coverage so you avoid penalties.
- Advantage & Supplement plans compared
- Drug coverage matched to your meds
Dental & Vision
Stand-alone plans for the care major medical leaves out, from cleanings and fillings to exams, frames, and lenses.
- Cleanings, fillings, and major dental work
- Eye exams, frames, and contact allowances
Short-Term Medical
Bridge coverage for the gaps: between jobs, waiting on a new plan, or aging off a parent's policy. Never left exposed.
- Flexible terms for the gap you actually have
- Fast to set up when timing is tight
Life Insurance
Protect the people who count on you. We compare term and whole life and land on coverage that fits your family and budget.
- Term and whole life compared honestly
- Sized to your family and income
Supplemental Policies
The extras that keep a surprise bill from wrecking your month. Added only when they truly help, never as a bundle you won't use.
- Accident & critical illness protection
- Hospitalization plans
Your transparent insurance partner
You shouldn't need a degree in insurance to understand your plan.
We break it down for you, step by step, until it makes sense and you are ready to choose. No jargon, no pressure, just real help.
Request Free QuoteWhat drives us
Guiding you with honesty and clarity.
Our mission
Bringing clarity back to health insurance
We exist to simplify the process and guide individuals through their coverage options with honesty, patience, and care.
Our vision
Coverage recommended for the right reasons
We set a higher standard for guidance, where coverage is recommended based solely on what serves you, never on commissions, hidden bundles, or unnecessary extras.
Who we are
A family-run brokerage that treats you like family.
Transparent Healthcare Solutions helps individuals and families make informed decisions about their coverage. We are independent, which means we answer to you and not to one insurance company.
Transparency
No fine print, no surprises.
Personalization
Plans built to fit your needs.
Affordability
Coverage that works with your budget.
Real people, real helpLicensed local brokers
0Years of experience
$0Cost for our help
0States licensed
0Agents on your side
Our team
Licensed agents committed to honest guidance.
A small team that truly cares. For over a decade, we've helped families understand their options with transparency. No pressure, just real help.
Tap any agent to read their bio and reach them your way. Call or text, whatever's easier for you.
Common questions
The things people ask us first.
The insurance company pays us, not you. When you sign up for a plan, they pay us a small fee for helping you. That fee is already part of the plan, so it is the same price whether you call us or sign up alone. You never pay us anything, and your monthly bill is not one penny higher for using our help. We just make sure you pick the right plan.
No problem. We offer alternative coverage options built to fit your needs and budget, so you still have a real path to solid coverage even without a marketplace subsidy.
We are licensed across Alabama, Delaware, Kansas, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, and West Virginia. Reach out and we will confirm we can write your plan before you spend any time.
Not at all. Plenty of people come to us for a second opinion. If your current plan is the best fit, we will tell you to keep it. If we can find you better coverage or a lower price, we will show you the difference and let you decide.
Request a free quote
Let's find your coverage.
Send a few details and one of our agents will reach out with real options, usually the same day. No obligation, no cost, no pressure.
(717) 460-4757Call or text, a real person answers
[email protected]We reply within one business day
Licensed in 11 statesAL, DE, KS, MO, NC, OH, PA, SC, TN, TX, WV
What our clients say
Real reviews from real families.
Straight from our Google Business profile. No cherry-picking, no edits.