Fact-Based Health Decisions
Health Insurance Agency
Data-driven plan selection. Human support all year.

We’re a Raleigh-based, technology-enabled health insurance agency. We use real data to help you pick the right plan now—and we stay with you all year to navigate changes, surprises, and what-ifs.

For open enrollment, you may find that you do not qualify for subsidies this year. If that’s the case, we can offer access to off-exchange plans that are identical to on-exchange plans but at a lower cost.

What most agents do

  • Determine eligibility for government subsidies based on anticipated income and family size
  • Check whether your current providers are in-network
  • Verify if your current medications are covered
  • Help select a coverage level based on expected usage next year
  • Compare premium, deductible, copays, coinsurance and MOOP

How we go deeper

In addition to what most agents do, we will:

Year-round support

Enrollment is the starting line, not the finish. We help you with:

Provider changes

Your doctor leaves the network? We find in-network alternatives fast.

Medication surprises

Tier changes, prior auths, step therapy—navigate the pharmacy maze with us.

Billing & claims

Unexpected bills or denials? We organize documentation and guide appeals.

Life events

Moves, a new baby, marriage, income shifts—qualifying SEP guidance and updates.

Subsidy tuning

Keep your application accurate to avoid year-end tax surprises.

Mid-year check-ins

Quick reviews to confirm you’re still on the best fit as needs evolve.

Interested in a deeper, data-driven review?

Get a personalized, data-driven comparison—and ongoing support for providers, medications, claims, appeals, and subsidy updates throughout the year.

📅 Schedule a Meeting
📧 kurt.a.conger@gmail.com
📞 252-570-7239

If you have other Healthcare Insurance needs outside of NC or with Medicare, contact our partner