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Licensed across 24 states

Better coverage. Less money.

★★★★★ Trusted by families across 24 states

Our plans are built for healthier people — not priced around everyone who's sick. Customizable coverage, tailored to you, for a fraction of what you're paying now.

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💸 Overpaying on your plan
🏢 Employer won't cover your family
📋 High deductible, low value
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Licensed & regulated
Enroll any time of year
Free — zero obligation
Individuals & families
0
Average family employer plan per year
KFF 2025 Employer Health Benefits Survey
0
Average worker out-of-pocket contribution
Toward family coverage annually
0%
Family premium increase over 5 years
Outpacing wages & inflation

The problem

Sound familiar?

You're paying a lot. You're not getting a lot. And nobody's told you there's a way out.

01

Your premium keeps climbing

$900, $1,200, $1,500/mo — and it goes up whether you use it or not.

02

Employer only subsidizes you

They cover your premium. Add a spouse or kids — that's all on you, at full group rate.

03

High premium. High deductible.

You pay every month and still pay thousands out of pocket before coverage kicks in.

What most people have
Side by Side
What our clients get
✗ $1,200+/mo for a family plan
✓ Significantly lower monthly premium
✗ $6,000–$8,000 deductible
✓ Coverage tailored to you
✗ One-size-fits-all employer or Marketplace plan
✓ Comparable or better benefits
✗ Locked to open enrollment
✓ Enroll any time — covered in days
✗ Coverage can change or be lost
✓ Guaranteed renewable to age 65

TAP TO SWITCH

✗ $1,200+/mo for a family plan
✗ $6,000–$8,000 deductible
✗ One-size-fits-all employer or Marketplace plan
✗ Locked to open enrollment
✗ Coverage can change or be lost
✓ Significantly lower monthly premium
✓ Coverage tailored to you
✓ Comparable or better benefits
✓ Enroll any time — covered in days
✓ Guaranteed renewable to age 65

Rate increases

Your rate shouldn't depend
on who's in office.

Marketplace premiums swing with government subsidies, policy changes, and election cycles. Private plans increase on one thing only — your age.

Marketplace & Employer Plans

Unpredictable. Driven by politics, subsidies & group risk.

Yr 1
+28%
Yr 2
+11%
Yr 3
+52%
Yr 4
+9%
Yr 5
+34%
Yr 6
✗ Driven by government subsidies
✗ Changes with who's in power
✗ Priced on the entire group's risk
WHAT WE OFFER

Private Health Plans

Predictable. Only increases with your age — nothing else.

Yr 1
+4%
Yr 2
+4%
Yr 3
+4%
Yr 4
+4%
Yr 5
+4%
Yr 6
✓ Only increases based on your age
✓ Zero political exposure
✓ You know what to expect every year
📌

Marketplace premiums have surged 10–50%+ in a single year for many families — and in 2026, some plans spiked 100–200% depending on subsidies and location. With private coverage, your rate moves predictably with one thing — your age.

$26,993
Average family employer plan per year — 2025
$6,850
Average worker contribution toward family coverage
+24%
Family premium increase over 5 years — outpacing wages & inflation

Source: KFF 2025 Employer Health Benefits Survey  ·  CMS.gov  ·  Healthcare.gov

The protection most people never knew existed

Get in healthy.
Keep it no
matter what.

Our plans carry guaranteed renewability — once you're approved, your coverage can't be taken away. Even if you develop cancer, diabetes, or heart disease down the road, your plan renews every year, all the way to 65.

🛡️

Approved once. Protected for life.

Qualify healthy today and your plan can't be cancelled due to health changes — ever.

🩺

Even if you develop a pre-existing condition

Cancer, diabetes, heart disease — your plan stays. No re-underwriting, no surprises.

📅

Covered straight through to Medicare at 65

Your private plan bridges you all the way — no gaps, no scrambling.

How it works

From overpaying to covered
in 4 steps

STEP 1📝

Fill out a quick form

Name, phone, state, family size. Takes 60 seconds. No commitment.

⏱ 60 seconds
STEP 2📞

We call at your scheduled time

A licensed advisor calls at the time you pick. We look at what you're paying and what you're getting for it.

⏱ 10 minutes
STEP 3🔍

We find your best options

We shop private plans across carriers for your health profile and budget. Plain English — no jargon, no pressure.

Same call
STEP 4✅

You decide. We handle everything.

If it makes sense, you enroll. We handle the paperwork. Most clients are covered within 48–72 hours.

🎉 Covered in days

Who we help

Our typical client already has insurance.
They just hate what they're paying.

💪

Relatively healthy individuals & families

In good general health and tired of group rates that price in everyone else's risk. Private plans reward people like you.

💼

Self-employed professionals

No employer picking up anything. Every dollar is yours — and Marketplace plans rarely make sense at your income.

🏠

Established households

Same plan for years, cost keeps climbing, coverage hasn't improved. You've earned the right to demand better.

Who we are

We're a small team.
We care about
getting it right.

Apex Health Plans is a team of licensed health insurance advisors across 24 states. We don't work for an insurance company — we work for you.

We only recommend what genuinely makes sense
If we can't beat what you have, we'll say so
Plain English — no jargon, ever
You talk to a real person, every time
"
We got tired of watching people overpay for plans that barely covered them. There's a better way — and most people just don't know it exists.
Nolan, Founder of Apex Health Plans
Nolan, Founder
Apex Health Plans

Meet the team

Your advisor. Your plan.
Your call.

Click any advisor to see their full profile, states, and personal booking link.

What clients say

Real people. Real results.

5.0 ★★★★★

Rated 5.0 from 13 Google reviews

A
Amber Bullard★★★★★

Nolan was absolutely fantastic! He was very transparent and explained everything perfectly! He got us a fantastic cost on everything that our family needed. 10/10 recommend working with him! Thank you again!
J
Joanna Powell★★★★★

They went above and beyond to help me and my family! Found me a plan that was cheaper AND better! Wish I had found them sooner!!!
A
Abigail Garcia★★★★★

Nolan is incredible! Not only is he professional, but he is very thorough with explanations about the process and expectations. I am a travel nurse who used to struggle with finding reliable insurance due to switching agencies often, but thanks to Nolan, that is no longer an issue. Thank you for all you do!
Read all reviews on Google →

Quick answers

Good questions.

What happens if I get sick after I enroll?
Nothing changes. Guaranteed renewability means once you're enrolled, your coverage cannot be cancelled due to a health change. Cancer, diabetes, heart disease — your plan stays and renews every year, all the way to 65 when Medicare begins.
Is this real insurance?
Yes — real, licensed private health insurance underwritten by regulated carriers. Not a health sharing plan, not a discount card. We'll always explain exactly what a plan covers before you decide anything.
How is this different from my employer plan?
Employer plans price everyone in the group together. Private plans are underwritten to your health profile — so relatively healthy people pay far less. And since most employers only subsidize the employee's premium, adding family members to an employer plan often costs significantly more than a private alternative.
Can I keep my doctors?
Often yes — we check your providers' network participation before recommending anything. We won't push a plan that disrupts care you rely on.
What does this cost me?
Nothing. Our consultation is free and there's zero obligation to enroll. We're paid by carriers — so our advice costs you nothing. If we can't find something better than what you have, we'll tell you honestly.

Where we operate

24 states and growing

Alabama
Arizona
Colorado
Florida
Georgia
Illinois
Indiana
Iowa
Kansas
Louisiana
Michigan
Minnesota
Missouri
Montana
Nebraska
North Carolina
Ohio
Pennsylvania
South Carolina
Tennessee
Texas
Utah
Wisconsin
Wyoming

Let's talk

Ready to find out
if you're overpaying?

Fill out the form and we'll reach out to schedule your 10-minute call — usually same or next business day.

Call or text(448) 210-1367
Emailnolan@apexhealthplans.com

Get your free quote

We'll reach out within one business day to schedule your call.