Beacon Health Advisors is an independent agency helping individuals, families, and small businesses compare real plan options — and actually understand what they’re buying before they sign. We’re licensed in 30+ states, and our help never costs you a dollar.
A licensed advisor will call you at the time you picked. If you’d rather not wait, call us now and we’ll pull up your options while you’re on the phone.
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When you call Beacon, you get me — not a call centre, not a rotating queue, not whoever picks up. I’ll learn your doctors and your prescriptions, shop the market, and explain what I find in plain English. If a plan is wrong for you, I’ll say so.
Most people come to us with a single question and leave having fixed two other things they didn’t know were broken. Here’s the ground we cover.
Marketplace (ACA) and off-exchange plans, chosen around your doctors and your prescriptions — not just the lowest premium.
Open Enrollment runs Nov 1 – Jan 15 in most states. Outside those dates, a qualifying life event is your way in.
Benefits that hold onto good employees without handing your margin to a carrier every January.
Groups typically start at two enrolled employees. Sole proprietors are usually better served on the individual side — we’ll tell you which you are.
The gaps a major medical plan leaves wide open — and the coverage that closes them for a few dollars a month.
If you’re on a high-deductible plan, this is usually where the real exposure is hiding.
Four acronyms decide how you reach a doctor and what you pay when you do. Here is the plain version. Which one fits you depends on your doctors, your prescriptions, and your budget — that is the conversation we have on the call.
You choose a primary care doctor and go through them to reach specialists. The network is local and tightly defined.
Best if your doctors already sit inside one local system and you want the most predictable monthly cost.
See any specialist you like without asking permission first, and keep partial coverage outside the network.
Best if you travel, split time between states, or want to keep a specialist who sits outside the local network.
A middle path. No referrals needed, but care outside the network is on you, apart from emergencies.
Best if the local network already covers your doctors and you would rather not deal with referrals.
A deliberately higher deductible in exchange for a lower premium, paired with a tax-advantaged HSA you own and keep.
Best if you are generally healthy, can absorb a bad year, and want the HSA as a long-term tax shelter.
No premiums or deductibles are listed here on purpose. Both change with your ZIP code, age, household size, tobacco use, and the plan year — a number on a web page would be wrong for almost everyone reading it. The IRS also resets the HSA-qualifying deductible each year, so we confirm the current threshold when we quote. Tell us your doctors and your budget and we will price the real options side by side.
More than 50 collective years in the insurance industry, and access to over 20 A-rated carriers nationwide — PPO, HMO, and supplemental networks.
We’re appointed with many carriers instead of employed by one. When a plan is wrong for you, we can say so and show you something better.
A cheap premium with a $9,200 deductible isn’t cheap. We model what you’d actually pay in a normal year and a bad one, then compare plans on that.
A denied claim, a surprise bill, a new job mid-year, a renewal letter you don’t understand — you call us, not a 40-minute hold queue.
A plan you own isn’t tied to your employer. Change jobs, go independent, or move to another state and your coverage comes with you — we adjust it instead of starting you over.
Deductible, coinsurance, out-of-pocket maximum, formulary tier. We’ll explain each one in the context of your actual situation until it clicks.
No forms to decipher alone, no carrier call centers, no guessing whether you picked right.
STEP ONE
A short call about your doctors, your prescriptions, your budget, and what went wrong with your last plan. No pitch on this call.
STEP TWO
We come back with two or three real options side by side — monthly cost, deductible, your doctors' network status, and your drugs priced out.
STEP THREE
We handle the application and the paperwork, confirm your effective date, and remain your point of contact for the life of the policy.
A health insurance agent has to hold a license in the state where you live. Only the states we actually hold a licence in are listed. Type yours to check.
Don’t see your state? Call us anyway — we add licenses regularly, and we’d rather refer you to an agent we trust than leave you without coverage.
These are starter answers written in your voice — swap in the real questions you want on the site and I’ll rewrite them to match.
No. There is no fee for our advice, our comparison work, the enrollment itself, or the help you get from us afterward.
We’re paid a commission by the carrier whose plan you choose, and that commission is already built into the filed rate. Buying through us costs exactly what buying direct costs — you just get an advisor in the deal.
Often yes, but it has to be checked plan by plan rather than assumed. Networks change every January, and a doctor who was in-network last year may not be this year.
Give us your providers' names before you enroll and we’ll verify each one against the specific plan you’re considering — not the carrier in general, the plan.
Not necessarily. A qualifying life event opens a Special Enrollment Period, usually 60 days long. Losing job-based coverage, moving to a new county or state, getting married or divorced, having or adopting a child, or a change in income that affects your eligibility can all qualify.
Call us either way. If you do qualify, that window closes fast and we’d rather catch it now.
Yes, and this is one of the most common reasons people call us. Premium tax credits phase out as income rises, and plenty of self-employed people and higher earners land just past the cutoff, where a full-price Marketplace plan stops making sense.
When that happens there are two directions. The first is an off-exchange ACA plan — same consumer protections, same guaranteed coverage of pre-existing conditions, just purchased directly from the carrier instead of through the Marketplace. Pricing is sometimes better and the networks can differ.
The second is private, non-ACA coverage: short-term medical, hospital indemnity, accident and critical illness plans, or coverage through a professional association or group. These can cost considerably less month to month.
You should know the trade-off before anyone sells you one. Private plans are typically medically underwritten, which means you can be declined or have a pre-existing condition excluded, and they aren’t required to cover the ten essential health benefits an ACA plan must cover. For a healthy person who mainly needs protection against a catastrophe, that can be a sound deal. For someone managing an ongoing condition, it usually isn’t. We’ll tell you plainly which one you are and price both side by side.
A group plan generally needs two enrolled employees. Below that — or if your team is spread across several states — an ICHRA or individual coverage is often the stronger play.
We’ll price both paths against each other and show you which one actually costs less for your headcount before you commit to either.
One short update a week — what changed, what is worth knowing, and what to do about it. No jargon, no sales pitch.
A string of insurers have announced they are pulling out of ACA Marketplaces or shrinking their footprint for 2027. The largest is Cigna, which is leaving 11 states and affects roughly 369,000 members. CareSource is leaving Indiana, West Virginia and Ohio, and others, including Baylor Scott & White in Texas and PacificSource in Oregon, Idaho and Montana, are also scaling back. Tallies differ depending on how exits are counted, so the only number that matters is whether your plan is on the list.
Premiums are moving too. Insurers have proposed a median increase of about 15% for 2027, but those are proposed rates, not final ones, and they vary a lot by state and carrier. If your insurer is leaving your area, you will have to choose a new plan, and your doctors, prescriptions and subsidy may not line up with the old one. Don’t wait for the window to open: send us your current plan name and we’ll check whether it is affected and price your replacement options side by side.
Start the conversationSources: Becker’s Payer Issues, insurers exiting ACA markets and KFF’s 2027 premium analysis.
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Real reviews left by people we’ve placed coverage for.
Sean Celestin was a great representative. Excellent customer service, went above and beyond, was informative and walked me through every step. Most of all he was pleasant and made it easy for me to want to communicate with him.
Mary M. Google review
Sean is upbeat, kind, and efficient. His help with obtaining insurance was the best service I have had in years. He is willing to go the extra mile to make sure I get what I need.
Angela M. Google review · Local Guide
Sean has been so amazing in helping me to understand and get health insurance that is affordable for me and my family! With the income I have it’s been hard to get coverage that’s not breaking my bank.
Lyndzee H. Google review · Local Guide
Tell us what you need and we’ll do the comparing. Most people are enrolled and done inside a week.