Most cost-effective
health coverage
without sacrificing
benefits.
Health insurance doesn't have to be confusing, overpriced, or impossible to figure out. I help self-employed individuals, small business owners, contractors, and families find better health coverage tailored to their needs — lower monthly costs, better benefits.
Most cost-effective health coverage without sacrificing benefits.
Health insurance doesn't have to be confusing, overpriced, or impossible to figure out. I help self-employed individuals, small business owners, contractors, and families find better health coverage tailored to their needs — lower monthly costs, better benefits.
Access private plans not available online
Save money without sacrificing coverage
Get expert guidance in under 10 minutes
Access private plans not available online
Save money without sacrificing coverage
Get expert guidance in under 10 minutes
Tired of overpaying for health insurance you barely use?
Most people and business owners feel completely overwhelmed trying to find the right coverage. You're not imagining it — the process is broken.
You search online…
…and suddenly your phone won't stop ringing from spam calls.
You check Marketplace plans…
…and the prices are shockingly high.
You finally pick a plan…
…but your deductibles and monthly payments are sky high.
The truth is
Many people don't even know the best health insurance
plans are private plans that aren't available
through the Marketplace.
That means right now, you could be…
Paying far more than necessary
Missing better coverage options
Choosing plans that don't fit your needs
Avoiding insurance because it feels exhausting
Tired of overpaying
for health insurance you barely use?
Most people and business owners feel completely overwhelmed trying to find the right coverage. You're not imagining it — the process is broken.
You search online…
…and suddenly your phone won't stop ringing from spam calls.
You check Marketplace plans…
…and the prices are shockingly high.
You finally pick a plan…
…but your deductibles and monthly payments are sky high.
The truth is
Many people don't even know the best health insurance plans are private plans that aren't available
through the Marketplace.
That means right now, you could be…
Paying far more than necessary
Missing better coverage options
Choosing plans that don't fit your needs
Avoiding insurance because it feels exhausting
This is perfect for you if…
The clients who get the most out of working with me share a few things in common. If any of these sound familiar, you're exactly who I help.
You're self-employed or own a small business.
You make too much to qualify for Marketplace subsidies.
You're tired of expensive COBRA or Marketplace premiums.
You want real guidance instead of endless online research.
You want coverage that actually makes sense for your lifestyle and health needs.
You prefer a real person to call — not a random 1-800 number.
You're moderately healthy and want to see if you qualify for private health plans.
This is perfect for you if…
The clients who get the most out of working with me share a few things in common. If any of these sound familiar, you're exactly who I help.
You're self-employed or own a small business.
You make too much to qualify for Marketplace subsidies.
You're tired of expensive COBRA or Marketplace premiums.
You want real guidance instead of endless online research.
You want coverage that actually makes sense for your lifestyle and health needs.
You prefer a real person to call — not a random 1-800 number.
You're moderately healthy and want to see if you qualify for private health plans.
Free insurance
evaluation call.
In one quick consultation, I'll help you explore the most cost-effective health insurance options based on your situation, budget, and healthcare needs.
No pressure
No confusing jargon
No wasted hours researching
Free insurance
evaluation call.
In one quick consultation, I'll help you explore the most cost-effective health insurance
options based on your situation, budget, and healthcare needs.
No pressure
No confusing jargon
No wasted hours researching
What You Get
Working with me means working
with a real advocate.
Access to exclusive private plans
Many of the best health insurance options are not available online or through the Marketplace. I have direct access to plans the general public never sees
Full marketplace + private plan comparison
Many of the best health insurance options are not available online or through the Marketplace. I have direct access to plans the general public never sees.
Personalized insurance strategy
Your health insurance should fit your situation. I help you choose coverage based on your budget, doctor preferences, prescriptions, family needs, and long-term goals.
Save money without sacrificing benefits
The goal isn't just cheaper insurance. It's finding the best value — strong coverage at the most reasonable monthly cost possible.
Personal, concierge-level support
No endless hold times. When you work with me, you have a direct contact who personally guides you through the process and answers your questions.
What You Get
Working with me means working with a real advocate.
Access to exclusive private plans
Many of the best health insurance options are not available online or through the Marketplace. I have direct access to plans the general public never sees
Full marketplace + private plan comparison
Many of the best health insurance options are not available online or through the Marketplace. I have direct access to plans the general public never sees.
Personalized insurance strategy
Your health insurance should fit your situation. I help you choose coverage based on your budget, doctor preferences, prescriptions, family needs, and long-term goals.
Save money without
sacrificing benefits
The goal isn't just cheaper insurance. It's finding the best value — strong coverage at the most reasonable monthly cost possible.
Personal, concierge-level support
No endless hold times. When you work with me, you have a direct contact who personally guides you through the process and answers your questions.
About Oxana
A trusted guide in a world of confusing options.
Health insurance can be confusing and expensive. I know because I experienced it myself.
After moving to the United States from Russia in 2008, I spent 12 years working in the hospitality industry. When COVID hit, I lost my job and was offered a COBRA plan that cost nearly $800 per month. Since I was healthy, I started looking for other options and discovered a private health insurance plan with better benefits for almost half the cost.
That experience sparked a passion for helping others who find themselves in the same situation I was in—feeling lost, overwhelmed, and unsure of their options.
Today, my goal is simple: to educate you on the coverage options available so you can make a confident decision for yourself and your family. Every person's situation is different, and there is no one-size-fits-all solution. That's why I take the time to understand your needs, explain your options in plain language, and help you find coverage that makes sense both medically and financially.
Schedule a consultation today, and let's explore your options together.
About OXANA
A trusted guide in a world of confusing options.
Health insurance can be confusing and expensive. I know because I experienced it myself.
After moving to the United States from Russia in 2008, I spent 12 years working in the hospitality industry. When COVID hit, I lost my job and was offered a COBRA plan that cost nearly $800 per month. Since I was healthy, I started looking for other options and discovered a private health insurance plan with better benefits for almost half the cost.
That experience sparked a passion for helping others who find themselves in the same situation I was in—feeling lost, overwhelmed, and unsure of their options.
Today, my goal is simple: to educate you on the coverage options available so you can make a confident decision for yourself and your family. Every person's situation is different, and there is no one-size-fits-all solution. That's why I take the time to understand your needs, explain your options in plain language, and help you find coverage that makes sense both medically and financially.
Schedule a consultation today, and let's explore your options together.
Client Voices
Real results from real clients.
Read what self-employed professionals, business owners, and families have
to say about working together.
Oxana was amazing. You don’t really expect to have connection when you inquire about health insurance, but she and I had an immediate connection. She consulted with be so efficiently, giving my all the information and resources I need. Because of her I was completely equipped to make a great decision in under 15 mins.
Oxana was amazing. I lost my insurance and was trying to find one myself and was getting absolutely ridiculous quotes. I felt desperate. Oxana got me covered at a fraction of the cost, and tailored the plan for me so I could keep all of my doctors. I highly highly recommend her!
Oxana has been great helping navigate what is the best option for me and my family!! She explained things easily and allowed me to explain to her what I truly needed. Very timely with setting something up with her and always professional. She is now my go to person for all insurance needs! Thank you so much again and looking foward to continuing to work with you!
Oxana was beyond amazing! Not only was she super helpful every step of the way but she also helped us save so much on insurance! Simple and easy process! Highly recommend! Thanks Oxana, you are the best!
Oh my gosh! Oxana is a rockstar! She helped me so much, I am such an idiot when it comes to understanding the healthcare. When I became self employed I don’t know what to do. Oxana helped me, guided me through the process and chose a bomb health care option for me I am convinced the best for me now. I don’t know what I would do without her help! Will 1000% come back or refer to everybody that needs guidance in this jungle health insurance. Phew
I can't thank Oxana enough for her exceptional help in finding the right health insurance for me! As a self-employed individual, I was feeling overwhelmed and unsure about my options, especially with the open enrollment period approaching. Oxana took the time to thoroughly explain every detail of the plans available, making sure I understood all the ins and outs. She patiently answered all my questions and helped me navigate the complex world of healthcare, all while ensuring I found coverage that met my needs without breaking the bank. Her expertise and dedication truly made a difference, and I highly recommend her services to anyone who is confused or unsure about health insurance, whether you're self-employed or just looking for better options. Thanks again, Oxana!
Oxana is a REAL person who is there to help you navigate the intimidating world of healthcare. If you’re looking for help in this area, she’s got you covered (like a good health insurance plan should).
Oxana was awesome during this health care process that started off overwhelming for me, she brought calm and insight on what I needed to know. Thank you so much for your help.
Oxana is very reliable! I am a travel nurse/per diem nurse who has been looking for the best health care plan for me. I’ve communicated with other agents, and I can confidently say Oxana is very clear and informative, which is why I trust and picked her! She communicates very quick and always has or finds the answers for me. Thanks Oxana!
This platform has revolutionized our business operations. The seamless integration and powerful features have helped us scale our marketing efforts efficiently while maintaining excellent customer relationships.
Plans
What is a private health insurance plan, and how is it different from a Marketplace plan?
What is a private health insurance plan, and how is it different from a Marketplace plan?
Private plans are sold outside the government Marketplace. They are medically underwritten, which means your health history is reviewed as part of the application, and that review affects whether you qualify and what you pay. For people in good health this often means a lower monthly cost and a wider choice of doctors than a comparable Marketplace plan.
Marketplace plans cannot turn anyone down for health reasons, but the enhanced federal subsidies that kept them affordable expired at the end of 2025, so many self-employed people are now paying the full price.
Cost
I earn too much to qualify for a subsidy. What are my options for 2026?
I earn too much to qualify for a subsidy. What are my options for 2026?
You are not out of options. The income cliff returned for the 2026 plan year, so earning a dollar over the limit removes the subsidy entirely and you pay the full premium. This is the situation private plans were built for.
If you are reasonably healthy, a medically underwritten plan is often far cheaper than an unsubsidised Marketplace plan, with better benefits attached. The only way to know which side you fall on is to compare both, which is what the free call is for.
Licensing
Which states are you licensed in?
Which states are you licensed in?
I am based in Florida and licensed in 29 states:
If you live somewhere I am not licensed, tell me anyway and I will point you toward someone who can help.
Eligibility
Can you help if I have a pre-existing condition?
Can you help if I have a pre-existing condition?
Sometimes, and I will tell you honestly either way. Because private plans are medically underwritten, a significant health condition can affect whether you qualify for one.
If a private plan is not the right fit, a Marketplace plan cannot decline you for any health reason, and I will help you choose the best one available to you. The goal is the right coverage, not a particular type of plan.
Your doctors
Will I have to change doctors?
Will I have to change doctors?
Keeping your current doctors is one of the most common things clients ask about. Provider networks vary widely between plans, so tell me who you want to keep seeing at the start and it is checked before any plan is recommended. It becomes part of the comparison rather than an unpleasant surprise later.
The call
What happens on the free consultation?
What happens on the free consultation?
It takes under ten minutes. I ask about your household, your income situation, any doctors or prescriptions you want to keep, and your health history.
Then I show you what is actually available to you across both the Marketplace and private carriers, with the real yearly cost of each written out. There is no pressure to enrol on the call, and if the plan you already have is the better deal, I will tell you that.
Schedule Your Call
Ready to see what you've been missing?
Book a free, no-pressure consultation.
In under 10 minutes, you'll know exactly what your real options look like Marketplace, private plans, and everything in between.
🔒︎ 100% Confidential ⏳ Under 10 Minutes Ø Zero Obligation
Schedule Your Call
Ready to see what you've been missing?
Book a free, no-pressure consultation.
In under 10 minutes, you'll know exactly what your real options look like Marketplace, private plans, and everything in between.
🔒︎ 100% Confidential ⏳ Under 10 Minutes Ø Zero Obligation
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