What If Your Health Plan Paid You?
Some private plans send you a check when you land in the hospital, instead of making you pay a deductible first. They can cost less than the marketplace, and your rate can lock for 3 years. Emily, your local Des Moines agent, compares them for you free.
See Your Options
Takes about 30 seconds. Emily calls you, usually the same day.
Does Your Health Plan Feel Like a Bad Deal?
You pay more every year. You get less every year. You are not imagining it.
The premium keeps climbing
Every year the bill goes up. The coverage does not get better. You just pay more for the same plan.
The deductible comes first
You could pay thousands out of pocket before your plan pays one dollar. That is not protection. That is a gamble.
Nobody knows your name
Have a question? Call the 1-800 number. Wait on hold. Start over with a stranger every time.
Here's What No One Ever Told You
The marketplace was built around subsidies. If you do not get a big one, you pay full price for a one-size-fits-all plan. Most healthy families and self-employed pros are in that boat. Private health plans work differently.
Healthy people can pay less
Private plans ask a few health questions first. If you are in good health, you are not stuck paying for everyone else's risk.
Your rate can lock for 3 years
No surprise jump every January. You know what you will pay, for years, before you sign anything.
Some plans pay YOU cash
Certain plans send you a check when you are in the hospital. You use it on bills, or on anything you want. That beats paying a deductible first.
Almost no one in Des Moines knows these plans exist. No one has a health insurance agent. Emily thinks you should.
Getting Answers Is Easy
Fill out the short form
It takes about 30 seconds. No documents needed. No digging up your old policy.
Emily calls you
Usually the same day, from (515) 447-0056. A short, friendly chat about what you have and what you need.
See options side by side
Emily compares plans from multiple carriers in plain English. Pick what fits, or keep what you have. No pressure either way.
Meet Emily
Emily Trampel is a licensed, independent insurance broker in Urbandale, Iowa. Since 2019 she has helped families all across Iowa. She is not a call center. She is not a lead site that sells your number to 50 strangers. She is one local broker who picks up her own phone.
- One-on-one guidance, never one-size-fits-all
- She teaches first, so you understand what you are buying
- She shops multiple carriers to fit your needs and budget
- Honest service before the sale and long after it
"I treat every single client like family."
Every Month You Wait Costs You
You will pay a premium next month no matter what. The only question is whether your plan gives anything back. One 30-second form and one short call could change what the next 3 years cost your family. Emily gives every new client real one-on-one time, so her weekly calendar does fill up.
Get My Free QuoteThings People Ask Emily
Yes. These are real plans from established, rated insurance carriers. They cover doctors, hospitals, surgeries, and prescriptions. Emily only works with carriers she trusts.
No. This is not a lead site. Your info goes to Emily and only Emily. One local agent, one local number: (515) 447-0056.
It was practically built for you. No group plan, no subsidy, full marketplace price: that is exactly who private plans help most. Emily works with self-employed pros all over the Des Moines metro.
Honest answer: private plans ask health questions, and some conditions fit better than others. Emily will tell you straight. If a marketplace plan is truly your best option, she will say so.
Nothing. The review is free, and there is no obligation. The worst case is you learn your current plan is your best option, and you stop wondering.
Yes. Keep what you have while you compare. Private plans enroll year-round, so you do not have to wait for open enrollment to switch.
Many private plans use large national networks. On your call, Emily checks your doctors and your hospitals before you decide anything.
Talk to Emily Before You Pay Another Premium
The review is free. The advice is honest. And the worst thing that can happen is finding out you are already on the right plan.
Get My Free Quote