Common situations

Who I help

Whether you're navigating this for the first time or just tired of overpaying, the approach is the same: understand your situation, compare real options, and walk away knowing exactly what you bought and why. Find what sounds like yours below.

Not sure which one fits?

Self-employed & individuals without employer coverage

No employer plan? No problem.

I navigate all the options available outside of employer-sponsored coverage, so you're not stuck picking blind - including options that may even offer tax benefits to the self-employed.

~10 min call · No obligation · Real pricing, not estimates
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Individuals & families

When your employer's family coverage costs too much

Premiums tend to skyrocket when we want to protect our loved ones - let's find alternatives that offer them great coverage at a lower overall cost.

~10 min call · No obligation · Real pricing, not estimates
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Leaving a job

COBRA isn't your only option

COBRA premiums are notoriously high after losing your employer's contribution - let's start navigating your options.

~10 min call · No obligation · Time-sensitive
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Small business owners

A plan you can offer your team

You don't have to offer coverage - but if you want to protect your employees anyway, I'll help you find group and individual options that don't need a full HR department to manage.

~15 min call · No obligation · Group & individual options
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What if I fit more than one category?

Totally normal - most people do. Pick whichever one feels closest to your main concern right now (cost, timing, coverage type), and I'll factor in the rest once we talk. You won't get locked into the wrong path by clicking one over another.

Does it cost anything to talk to you first?

No - and that's true well beyond the first call. Working with me never costs you anything, from that first conversation through enrollment and beyond. I'm compensated by the insurance carriers when you enroll in a plan, not by charging you a fee, and there's no obligation to enroll through me at all. I'll tell you honestly if it's not the right move for your situation.

What if my state isn't listed anywhere on this site?

I'm currently licensed in 31 states. If yours isn't one of them, reach out anyway - I'll let you know and try to point you toward someone who can help.

Lienna Costello

Let's find coverage that actually fits.

A first call is free and there's no obligation to enroll through me - I'll tell you honestly if this is the right move.

Licensed in 31 states Free to you, always Keep your own doctors A real person, not a call center Independent of any carrier No waiting for open enrollment