Friendly Health Insurance GuyOran Rose, Heber City, Utah

Individuals & Families

Coverage for the people
at your kitchen table.

Whether it's just you or a house full of kids, I find the plan that keeps your doctors, covers your prescriptions and fits the budget.

See plans and pricesBook a family review

What we look at together.

Your doctors

I confirm your pediatrician, family doctor and preferred hospital are in network before you sign anything.

Your prescriptions

Every plan lists drugs differently. I look up each of yours so there are no surprises at the pharmacy.

The real yearly cost

A cheap premium with a huge deductible can cost more by December. I add it all up so you can compare honestly.

Tax credits

Depending on household income, Marketplace plans can come with credits that lower your monthly payment. I check what you qualify for.

Healthy-family pricing

If everyone is healthy, a private underwritten plan may cost far less than the Marketplace. I quote both.

Life changes

Marriage, a new baby, a move or losing job coverage can open a Special Enrollment Period. I'll tell you if yours does.

Two paths for families under 65.

Marketplace

ACA plans

Everyone qualifies regardless of health. Tax credits can lower the cost a lot for some incomes.

How ACA plans work Underwritten

Private plans

Priced on your family's health. Often much lower premiums and deductibles for healthy families.

Is it right for you?
★★★★★
I am a 40-year-old with a wife and three kids. Insurance has always felt like an unfair, overpriced, and miserable experience. After checking all the plans on the marketplace, the cheapest I could find was a $1,500 per month plan with a $15,000 deductible. Oran was able to get my family on a full PPO plan with a $500 deductible for under $600 per month.
Jon Aird , family of five
★★★★★
Oran is the best health insurance guy, so kind and understanding. Our last insurance guy quoted us $900 for our family of 3 and I about died! Oran came in and cut the price in half for better coverage. I was shocked that was even an option! Oran is absolutely outstanding. I recommend him to anyone!
Ashley Stone , family of three
★★★★★
Oran is extremely helpful and is always there when I give him a call or text. Seems like he's on the clock 24/7. I would definitely recommend working with him.
Jake Debrusk

Common questions from families

Can my kids stay on my plan?
Yes. Under the ACA, children can stay on a parent's plan until they turn 26, even if they're married, in school or living on their own.
What if someone in the family has a health condition?
ACA plans can't charge more or deny coverage because of pre-existing conditions. Private underwritten plans can, so we'll talk through which path protects your family best.
When can we sign up?
ACA Open Enrollment begins every November 1. Outside that window you need a qualifying life event. Private plans can often start any month.
Do you charge for your help?
No. My help is free. Agents are paid by the insurance company you choose, and the price is the same either way.

Questions are free. So is my time.

Book a relaxed call and leave knowing exactly what you're paying for and why.

Book a free call