Health Insurance

Having the proper health insurance coverage can literally be a matter of life or death. We'll make sure you're family is properly covered with health insurance premiums you can afford.

Private Major Medical Health Insurance

Flexible private health insurance solutions designed to provide comprehensive coverage options for individuals and families.

ACA (ObamaCare) Major Medical Insurance

Compare ACA Marketplace plans, check subsidy eligibility, and enroll in qualified health coverage through HealthSherpa.

Affordable Health Coverage Options Through Pivot Health​

​Pivot Health by Healthcare.com is an insurance marketing company and healthcare services provider that offers a variety of coverage options to consumers on behalf of top-ranked insurance carriers and healthcare organizations. Products range from short-term medical insurance, dental and vision, supplemental indemnity, and accident and illness products.

​ACA Major Medical Health Insurance

​HeathSherpa offers ACA (Affordable Care Act) Plans, also known as "Obama Care" Plans for healthy individuals and individuals with Preexisting Health Issues. The only issue with these plans is there are no longer the Federal Health Insurance Subsidies that Expired on December 31, 2025 and were not extended by the current Trump Federal Government Administration. I would highly recommend that you call my Agent Dedicated Phone Number 855-772-2663, where you will be assisted by a health insurance specialist who can put a plan together for you and answer any question that you may have. 

What is Health Insurance?

Health insurance is coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment.

Health Insurance Types

Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs)
  • HMOs and EPOs may limit coverage to providers inside their networks. A network is a list of doctors, hospitals, and other health care providers that provide medical care to members of a specific health plan. If you use a doctor or facility that isn't in the HMO’s network, you may have to pay the full cost of the services provided.
  • HMO members usually have a primary care doctor and must get referrals to see specialists. This is generally not true for EPOs.
Preferred Provider Organizations (PPOs) and Point-of-Service plans (POS)
  • These insurance plans give you a choice of getting care within or outside of a provider network. With PPO or POS plans, you may use out-of-network providers and facilities, but you’ll have to pay more than if you use in-network ones. If you have a PPO plan, you can visit any doctor without a referral.
  • If you have a POS plan, you can visit any in-network provider without a referral, but you’ll need one to visit a provider out-of-network.
High Deductible Health Plan (HDHP)
  • High Deductible Health Plans typically feature lower premiums and higher deductibles than traditional insurance plans. 
  • If you have an HDHP, you can use a health savings account or a health reimbursement arrangement to pay for qualified out-of-pocket medical costs. This can lower the amount of federal tax you owe.
Catastrophic Health Insurance Plan
  • A catastrophic health insurance plan covers essential health benefits but has a very high deductible. This means it provides a kind of "safety net" coverage in case you have an accident or serious illness. 
  • Catastrophic plans usually do not provide coverage for services like prescription drugs or shots. 
  • Premiums for catastrophic plans may be lower than traditional health insurance plans, but deductibles are usually much higher.

    Contact us to learn more about the right health insurance for you.
(901) 881-2501​
Memphis, TN 38133-8126
Click Here to Email Us
Health Insurance Quote
Get a health insurance quote