The Health Insurance Savant

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The Health Insurance Savant Learn how self-employed and small business can get best-in-class health coverage and not pay an arm and a leg.

You ask, "How?" That's why they call me The Health Insurance Savant

Would you pay $1,400/month for health insurance? 🤯A client came to me with major sticker shock after receiving their COB...
10/16/2026

Would you pay $1,400/month for health insurance? 🤯

A client came to me with major sticker shock after receiving their COBRA continuation invoice. I found an alternative plan for less than half that cost.

Then, we audited their medical care:
• Therapy visits: 4x/month
• Allergy shots: 4x/month
• Total standalone outpatient cost: $800+/month

Under the "cheaper" plan, high deductibles and coinsurance would have cost them far more out-of-pocket than they saved on premiums. The $1,400 COBRA plan covered everything seamlessly.

A real advisor doesn’t sell you a cheaper premium today that drains your wallet tomorrow. Always do the total math!

🔗 Watch the case study:
https://youtu.be/JF_N1lZgg1g



How much does it cost to have an expert health insurance broker enroll you in a plan?Exactly $0. 💵People ask me this eve...
10/14/2026

How much does it cost to have an expert health insurance broker enroll you in a plan?

Exactly $0. 💵

People ask me this every single week: “Ken, what’s your fee to help me review plans?”

Here’s the deal: ✅ Insurance carriers pay brokers directly via standard commissions. ✅ Plan premiums are set by law—a policy costs the exact same whether you enroll alone or have an expert guide you. ✅ You get personalized advice and year-round advocacy without paying a dime extra.

Stop spending hours researching alone. The help is already paid for.

🔗 Learn more via the link in bio:

https://youtu.be/jh5bLETAOZw



Quick test: Pull out your phone right now. 📱Is your health insurance agent’s number saved in your contacts? Do you even ...
10/09/2026

Quick test: Pull out your phone right now. 📱

Is your health insurance agent’s number saved in your contacts? Do you even know their name?

If not, you’re missing your biggest healthcare asset:
✔️ An agent knows billing codes and carrier networks better than you do.
✔️ They advocate for you when a claim gets denied or an emergency hits.
✔️ Many of my clients have their emergency contacts keep my number handy in case they’re hospitalized and can’t speak for themselves.

A health plan is only as good as the advocacy behind it. If you don't know your agent, call me—I'll make sure you do.

🔗 Tap the link in bio to connect:

https://youtu.be/bjNqswX_2AY



🚨 BREAKING NEWS: The real reason to get health insurance isn't doctor visits or an X-ray.It’s to keep yourself from goin...
10/07/2026

🚨 BREAKING NEWS: The real reason to get health insurance isn't doctor visits or an X-ray.

It’s to keep yourself from going bankrupt.

Let’s be honest: 💵 You can budget for an occasional $150 checkup. 💥 You CANNOT easily absorb a $50k, $100k, or $200k emergency hospital bill.

Stop worrying about whether you "used your coverage enough" this year. If you paid your premium and never filed a massive claim, that’s great news—your health and your savings are 100% safe.

Insurance is catastrophic risk protection, not a prepaid maintenance plan.

Watch the video via the link in bio:

🔗https://youtu.be/So5ivJvXjzY



Brace yourself: ACA marketplace premiums across several states are climbing 40%, 50%, and in some areas, nearly doubling...
10/02/2026

Brace yourself: ACA marketplace premiums across several states are climbing 40%, 50%, and in some areas, nearly doubling. 📈

When rate letters arrive, the default reaction is panic—or canceling coverage altogether.

Remember the golden rule:

👉 You buy health insurance so you don't go bankrupt.

• You can pay cash for an occasional $100 clinic visit. • You cannot pay a surprise $100,000 hospital bill.

If community-rated plans are pricing you out, alternative options like short-term bridge plans or consumer cost-sharing programs can place a hard ceiling on your financial liability.

See the full strategy via the link in our bio:

🔗 https://youtu.be/QRoFk7kN4XQ



3 MILLION PEOPLE. 📉That’s nearly 13% of all ACA marketplace enrollees who walked away from their plans this year due to ...
09/30/2026

3 MILLION PEOPLE. 📉

That’s nearly 13% of all ACA marketplace enrollees who walked away from their plans this year due to skyrocketing costs.

If you dropped your plan, what was your backup? • Did you settle for bare-bones coverage? • Or are you crossing your fingers and hoping you don’t get sick?

Going uninsured is a massive risk to your life savings. Viable alternatives exist—from private underwritten networks to defined benefit plans—that keep you covered without the retail price tag.

Don’t spend the rest of the year unprotected.

🔗 Tap the link in bio to explore your alternatives:

https://youtu.be/PjZNH-rvczk



No lengthy sales presentations. No vendor pitches. Just a cup of coffee and a clear-eyed review of your numbers.Most bus...
09/30/2026

No lengthy sales presentations. No vendor pitches. Just a cup of coffee and a clear-eyed review of your numbers.

Most business owners and financial heads don't realize they have options outside the traditional retail renewal cycle until they see a parallel audit side by side.

Whether you need a second opinion on an upcoming rate hike, want to explore defined contributions through ICHRA, or need to unbundle bloated administration, my calendar is open.

20 minutes to see where your company can reclaim capital.

📷 Photo by ubeyonroad on Unsplash

Prescription drug costs are quietly becoming one of the most volatile line items on the corporate balance sheet.When pha...
09/28/2026

Prescription drug costs are quietly becoming one of the most volatile line items on the corporate balance sheet.

When pharmacy benefits are bundled directly into your major medical carrier, manufacturer rebates disappear and pricing spreads stay hidden in the fine print.

The strategic alternative is simple: carve pharmacy benefits out entirely. When you manage specialty drugs transparently, your business retains the rebates and cuts waste without touching employee benefits.

Is your benefits plan leaking cash through retail pharmacy markups?

📷 Photo by Abi Baurer on Unsplash

This is the call no insurance advisor ever wants to get. 💔A woman called my office earning about $22k a year with zero h...
09/25/2026

This is the call no insurance advisor ever wants to get. 💔

A woman called my office earning about $22k a year with zero health insurance. In states without expanded Medicaid, people in her shoes are completely stranded: ❌ Medicaid isn’t income-based for non-disabled adults. ❌ Private plans don’t fit tight personal budgets. ❌ The ACA Marketplace is locked outside Open Enrollment.

I had to give her advice I hate giving: If an emergency happens, go to a non-profit hospital emergency room and apply for their mandatory Charity Care program.

In the fall, we’ll get her a zero-dollar marketplace plan. But until then, she’s completely exposed.

Watch the video to understand how this coverage gap works and what safety nets exist:

🔗https://youtu.be/8L7OGkOZD98



The systems that help you scale from five employees to twenty will rarely get you to one hundred.For many mid-sized comp...
09/25/2026

The systems that help you scale from five employees to twenty will rarely get you to one hundred.

For many mid-sized companies, that plateau is their PEO. What started as an easy all-in-one fix slowly turns into an opaque administrative tax and inflated group premiums.

Stepping off the PEO carousel isn't disruption—it is structural evolution. Modern standalone payroll combined with tailored health plans unlocks immediate transparency and significant capital return.

Examine the steps your business is taking for the year ahead.

📷 Photo by Loegunn Lai on Unsplash

Address

New York, NY

Opening Hours

Monday 8am - 10pm
Tuesday 8am - 10pm
Wednesday 8am - 10pm
Thursday 8am - 10pm
Friday 8am - 10pm
Saturday 8am - 10pm
Sunday 8am - 10pm

Telephone

+19177102453

Website

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