The Health Advocate

The Health Advocate Need an Advocate for finding a quality health insurance plan? Look no further

$968 a month to add your spouse to your work planKids too? Add $400+ on top of that. That's $16,000+ a year for Health I...
08/22/2026

$968 a month to add your spouse to your work plan
Kids too? Add $400+ on top of that. That's $16,000+ a year for Health Insurance.

W2 life isn't always what its cracked up to be, ya'll

Lets say that spouse is a 35 year old male, perfectly healthy

$968 for a 35 year old is INSANE.

I could insure him on a high quality, private PPO plan for between $300-$600 a month depending on how the plan is customized

That's a minimum of $368 a month in savings vs the group coverage ya'll.
$4,416 a year - at the very least!

What I hate most about the graph below is that this is for Dickinson ISD just outside of Houston

Teachers - who already have a tough, but important job, and who are arguably often underpaid and overworked - they're the ones facing those prices in this case.

If more of these teachers were able to save $4k or more of their own money each year maybe they actually won't have to stretch their budget so much buying school supplies out of their own pockets for once.

If you deal with similar pricing through your employer or know someone that does, please DM me "W2" to get a free coverage audit and see if I can't help put a few hundred or more of your hard earned dollars back in your pocket each month.

My clients: "Wow, the ER visit for my son's broken arm only ended up costing a couple $100 bucks!"An impaled nurse in Mo...
08/08/2026

My clients: "Wow, the ER visit for my son's broken arm only ended up costing a couple $100 bucks!"
An impaled nurse in Montana: "I'd rather hike 10 miles than pay to be airlifted out of here"

Context: A nurse in Montana recently fell and impaled himself on his own trekking pole.
Instead of calling for helicopter rescue though, which would be very expensive, he decided to hike 10 miles(about 6 hours) back

The low hanging fruit here would be to talk about how this speaks to the objectively outrageous cost of health care in this country, which has been done to death

I'll spare you.

-> The two things that struck me were:

1. My clients average claims experience with accidents
2. How this guy stayed calm, didn't freak out, and how it saved him thousands

I regularly equip my clients with blanket accident coverage to help supplement their out of pocket expenses for such events

They're not "really" paying more for it either...

In fact, on average, I'm saving them 20-40% monthly with private health insurance vs what they would have paid on the Marketplace - and that's including the price of the accident coverage bundled in.

That same coverage that some might say you don't need and is an unncessary expense is often saving my clients thousands of dollars every time one of them has an accident.

After all, the ER is expensive, people. My client whose son went to the ER would have had a $4,000 bill without their blanket coverage in place

Instead? Paid $300.

In abscense of this kind of coverage though...you might be better off hitting up Urgent Care

And saving the ER for the true emergencies

Like being impaled lol

07/29/2026

"Thank you for your prompt response"
10 clients
47 Minutes

Some data on my last 10 client interactions:

- Questions about claims processing and how benefits were being applied
-If doctors in their area would be in network(they moved)
-Concerns over contract negotiations between their insurance carrier and their local hospital system
-Rate increases and if we can do anything to reduce cost

I'll spare you the rest, but
I got back to them all and quick.
On average, in 47 minutes, in fact.

As for the outliers,
Longest response time: 2 hours and 22 minutes
Shortest: 4 minutes

Most people I talk to who have worked with someone that helped them get health insurance say one of two things:

-That person doesn't work in the industry anymore
or
-They don't return their texts or calls.

Worst case, you'll probably hear from me in about 47 minutes.

07/24/2026

Happy Friday!
If you just lost your health insurance or are struggling to pay for your current plan, reach out and I can give you a free quote in just a few minutes. DM or comment QUOTE

07/14/2026

My #1 takeaway from helping self-employed folks navigate health insurance the last 5 years?

Most of them feel like they’re on their own.... and they’re tired of it.

→ They’re frustrated with high premiums and limited networks.
→ Many don’t even fully understand the plan they have.
→ And a lot of them aren’t aware of the options they could have - let alone how those options actually work.

I’ve talked to countless business owners, consultants, realtors, and gig workers who’ve told me some version of the same thing:

“I didn’t think the system was built for people like me.”

And in many ways… they’re right.

-If you're high income? You're not getting any tax credits
-If you live in a state without PPOs? Now you're stuck with limited networks
-Missed an enrollment window? Now you're sifting through a maze on google and possibly getting your phone blown up when you request quotes

Its pure hell

And some go without coverage entirely, not because they want to, but because they feel like they’re paying top dollar for bare minimum protection.

And what’s worse? Most of them don’t have anyone they know and trust to actually help them.

No advisor.
No guide.
Just a 1-800 number.

That’s where I come in.

Whether it’s saving someone thousands per year, helping a family move from a limited HMO to a nationwide PPO, or simply walking someone through a transition, I’m in their corner.

My clients don’t just get coverage.
They get clarity.
They get options.
They get someone who actually picks up the phone

Because in this industry, that actually makes a world of difference.

07/10/2026

“I would like to have this or better.”
The subject line of an email I received last March
From a newly self employed consultant, family of 4

They had attached their former employer’s benefits package and asked if I could match or beat it.

And believe me, I would have loved to
But that just wasn't going to happen

And it won't for you either if you're coming from a good corporate benefits package

When you leave W2 life and venture into self-employment, you’re also leaving behind a subsidized group benefits structure.

Those employer plans?

→ Negotiated group rates
→ With Cost-sharing between employee and employer
→ Robust benefits designed to cover most things with little out of pocket expenses

Once you’re out on your own, the landscape changes.

• ACA plans? Without a tax credit subsidy they're often super expensive with limited networks.
• Private options? Better flexibility and savings for healthy high earners, but still a different structure.

It's not as simple as checking a box among 3 plan options during company open enrollment

- You will likely have 50+ quotes to choose from, for one
- HMO, PPO, EPO, POS networks to choose from
- Lots of deductibles(mostly high, though)
- Differing copays, travel constraints, and even pre existing condition clauses to weigh if you are looking at private options

Whereas your corporate options were well structured, easy to choose from and convenient
The individual space is chaos

But it’s not all bad news...
You just have to keep it in perspective.
Almost nothing in your life will look the same once you go solo

So why would Health Insurance be any different?
New playing field, new rules

DM me “OPTIMIZE” to get a free health coverage audit and I’ll help you make sure you’re not just winging it, but getting the best bang for your buck

How you probably feel paying your health insurance premium through the Marketplace every monthOr when you see the doctor...
06/12/2026

How you probably feel paying your health insurance premium through the Marketplace every month

Or when you see the doctor
Get lab work

Or really, almost anything. You’re paying.

You feel like you pay a ton for insurance and it literally does nothing for you until you meet a deductible you’ve never even hit once before

I know you’re out there because I talk to people like you everyday.

And I save them a lot of money and get them better benefits all the time.

Not by shopping the same tired options through the marketplace, but by doing an assessment to see if you qualify for off market, private health coverage that rewards you for your good health and does not penalize you with higher premiums because of your high income

My clients save an average of 20-40% on monthly premiums and get better benefits.

But I can’t save you anything if you don’t reach out.

Free consultation. If I can’t help you, it won’t cost you anything to see what you qualify for.

Link is in the comments. Happy Friday!

04/22/2026

Selecting Health insurance when you’re self employed doesn’t usually feel good
In fact, It feels bad

Nerve wracking
Confusing
Annoying

But the thing is…that’s not actually because it’s all objectively bad

9 times out of 10 it’s because you’re out of your element

You’re doing it on your own with a baseline understanding of what you’re doing - at best

I know that’s not all of you, but after hundreds of conversations with soloprenuers and other business owners, I know it’s true

—> I also know how my clients feel after working with me:

“…Saved me a boatload on my monthly premium, was extremely patient and consultative…you cannot go wrong with him”

“What stands out the most about Mitch is that he is a true consultant. I have never once felt like he was trying to sell me a product; instead, he has helped me select the options that best fit my needs and circumstances”

“…worked with me every step of the way to get me and my children the insurance plan we needed…so I can eliminate that cognitive load to focus on other things”

These are either direct quotes or paraphrased from reviews on my page

Some themes that reoccur here and in other reviews:

1. Results
2. Consultative, not salesy
3. Relief, confidence, security

In a nutshell - the opposite of what you feel when you do this on your own.

And while the actual problems that I solve matter in terms the details(high premiums, limited networks, how to plan when you’re self employed or losing coverage, yadda yadda)

That’s arguably not the biggest difference between DIYing it vs working with me

It’s how you’ll feel afterwards

______

Want some help finally?

Email: [email protected]

Text/call: 859-270-5867

04/07/2026

If you just got laid off
COBRA could cost you big
In excess of $2,000 a month big

If you’re wondering what to do about this, listen up -

Last year I worked with a family of four who had been on COBRA after a job change.

They were paying $2,000 a month to keep their employer-sponsored health coverage

A premium they’d been paying for nine months

—> Unaware there were other options on the table that entire time.

They were healthy.
No ongoing treatments.
Just sticking with what they knew.

When we connected, we ran the numbers, reviewed their needs, and made a switch to a private PPO health plan with dental, and vision....for just under $1,200 a month.

Same peace of mind.
$800 a month in savings.

They paid $7,200 more than they needed to in 2025 alone and not because they had to, but because they didn’t know there were alternatives.

And to be clear, I’m not saying COBRA is always the wrong move. It has its place, and sometimes it’s the right call.

But too often,

People take it out of convenience.
Because it’s familiar.
Because it’s easy to just keep paying.

That decision could needlessly cost you thousands of dollars.

Especially if…

You're healthy,
Not in the middle of treatment
Not taking many medications, if any
And want to be sure you’re making the most of your options

It’s 100% worth having this conversation.

The worst thing you can do is assume it’s COBRA or nothing

Keep your options open:

Call/text: 859-270-5867
Email: [email protected]
Or send a message

Address

Houston, TX
77042

Opening Hours

Monday 8am - 6am
Tuesday 9am - 5pm
Wednesday 9am - 6pm
Thursday 9am - 6pm
Friday 9am - 6pm
Saturday 9am - 6pm

Telephone

+18592705867

Website

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