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Licensed & Certified Health Insurance Advisor

Find the Right Health Coverage for You & Your Family

Get personalized guidance from a licensed advisor who takes the time to understand your needs. No pressure, no confusion—just clear answers and coverage that fits your life.

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Licensed Health Insurance Advisor
50+ Families Helped
Free Consultations
5-Star Service
Zachary James - Health Insurance Advisor

Zachary James

Licensed Health Insurance Advisor

I started ZachJHealth LLC because I believe everyone deserves access to quality health coverage—without the confusion. After years in the insurance industry, I've seen too many families struggle with complicated plans and unexpected costs.

My approach is different. I take the time to understand your situation, explain your options in plain English, and help you find coverage that actually works for your life and budget.

50+
Families Served
3+
Years Experience
50+
Plan Options
Coverage Options

Health Insurance Solutions for Every Need

From individual plans to family coverage and dental & vision, I help you navigate your options and find the right fit.

Individual Health Plans

Comprehensive coverage tailored to your needs, whether you're self-employed, between jobs, or simply need personal coverage.

Family Health Plans

Protect your entire family with plans that cover everyone—from pediatric care to adult preventive services.

Dental & Vision

Don't overlook your dental and vision health. Standalone or supplemental plans to keep your whole self covered.

Why ZachJHealth

Insurance Made Simple

Choosing health insurance shouldn't feel overwhelming. Here's how I make it easier.

1

Personalized Guidance

I don't push one-size-fits-all solutions. Every recommendation is based on your specific needs, budget, and health situation.

2

No-Cost Consultations

My consultations are always free. You'll get expert advice without any pressure or obligation to buy.

3

Licensed & Certified

I'm properly licensed and stay current on all regulations and plan changes so you get accurate, up-to-date information.

4

Enrollment Support

I don't disappear after you choose a plan. I'll help you through the entire enrollment process and beyond.

FAQ

Common Questions

Get answers to the questions I hear most often from clients.

What does your consultation cost?
My consultations are completely free—always. I'm compensated by insurance carriers when you enroll in a plan, so there's never a cost to you for my services. You get expert, personalized guidance at absolutely no charge. No hidden fees, no obligations.
Why is your quote range so low?
If you're relatively healthy, you may qualify for private health insurance options that offer significantly lower premiums than marketplace plans. These plans use medical underwriting, which means healthier individuals get rewarded with better rates. During our consultation, I'll help determine if you qualify for these options and find the most affordable coverage for your situation.
What is a PPO vs HMO?
The main difference comes down to network size and flexibility. HMO (Health Maintenance Organization) plans have smaller networks and typically require you to choose a primary care physician and get referrals to see specialists. PPO (Preferred Provider Organization) plans offer larger networks, more flexibility to see any doctor without referrals, and coverage for out-of-network care. For most people, a PPO is the better choice because it gives you more freedom to see the doctors you want, when you want—without jumping through hoops.
Get Started

Request Your Free Quote

Fill out the form below and I'll reach out to discuss your health insurance options. No pressure, no obligation.

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