Health insurance that actually fits your life.
Self-employed, between jobs, retiring early, or running a small business. Tom Vaughn helps you find health cover that works.
Health insurance for your situation.
Needs differ a lot. Tom asks about your situation, not just your age and zip code, before he recommends anything.
On your own
No plan through work? Tom looks at marketplace plans, HSA plans and short-term cover, and matches them to your income and your health.
Covering the family
Family plans differ on deductibles, networks and children's cover. Tom compares them and finds one that protects everyone without costing too much.
Group health benefits
Benefits help you hire and keep good people. Tom sets up group plans that you can afford, that meet the rules, and that your team will use.
Retiring before 65
Retire early and you have a gap before Medicare starts. Tom finds cover for those years without overpaying.
What Tom can help you find.
Individual & Family Plans
Marketplace plans come in bronze, silver, gold and platinum. A lower premium means higher costs when you use it. Tom explains the trade and checks what help you qualify for.
Small Group Plans
Group cover for businesses with 2 to 50 staff. Tom compares the insurers, handles the rules and runs the sign-up.
Dental, Vision & More
Dental and vision plans, critical illness, hospital and accident cover. Tom adds these to fill the gaps your main plan leaves.
When you can sign up, and when you have to.
There are rules about when you can sign up. Miss a window and you may wait months. Tom tracks the dates and tells you when to act.
Most people sign up during Open Enrollment. Certain life events also open a window: marriage, losing a job, a new baby.
Independent guidance, no carrier games.
Tom is independent. He is not tied to one insurer. He checks the major plans in your area and recommends the one that fits, not the one that pays him most.
His advice is free and does not change your premium. You pay the same either way.
Health insurance questions Tom hears most.
Question not here? Tom will answer it directly.
Ask Tom directly →An HMO keeps you inside its network. You need a referral to see a specialist. Premiums are usually lower. A PPO lets you go outside the network without a referral, and costs more. Tom weighs the two against your doctors and how often you use them.
Tax credits go to people earning between 100% and 400% of the federal poverty level. Recent law widened that. Tom can tell you quickly whether you qualify and how much it would cut your premium.
Losing cover through work opens a special sign-up window, usually 60 days. You can take a marketplace plan. Depending on your income you may qualify for Medi-Cal. You can also keep your old plan through COBRA, but COBRA usually costs much more.
Yes. Most health plans do not include full dental or vision, so people buy them separately. Tom compares plans from several insurers and finds one that fits your budget.
Questions about health coverage? Tom can help.
Talk to Tom for free about your options. By phone, on Zoom, or in person.
Get in touch
Tom responds the same day, Mon–Fri.
Book with CalendlyMon–Fri · 9am–5pm PT · Phone, Zoom, or in person