Coverage
How much does it cost to work with Francy?
Typically nothing out of pocket — independent advisors are compensated by carriers. Francy confirms the details for your situation during your call.
Personalized Coverage
Health Coverage for Individuals & Families
Personalized guidance to help you and your family find coverage designed around your needs, priorities, and budget — not a one-size-fits-all policy.
IndividualsFamiliesNew parentsJob changersRecent retirees
Built for your household
Private PPO options with the doctors and prescriptions that matter to your family.
Why this matters
Health insurance is one of the biggest decisions your family makes — and the most confusing.
Choosing coverage for yourself or your family is rarely straightforward. Plan types, networks, deductibles, and monthly premiums all interact in ways that are hard to see from a brochure — and the “best” plan is different for every household.
Francy starts by listening to your actual situation — who needs to be covered, which doctors and prescriptions matter, and what you can comfortably afford each month. From there she helps you explore private plans and other options side by side, explaining the tradeoffs in plain language so you can choose with confidence rather than guess.
What Francy Does
Personalized help, every step of the way
Built around your household
Coverage shaped by who is on the plan and what care actually matters to your family.
Doctor & network focus
We talk through which doctors, specialists, and prescriptions matter before comparing any plan.
Budget-first thinking
Premiums and out-of-pocket costs weighed together, so a low premium doesn’t hide a painful deductible.
Private PPO options
Explore private PPO plans — often with broader networks — not just what the Marketplace shows you.
Honest tradeoffs
Clear, plain-language explanations of the differences, so the choice is yours and informed.
A steady resource
Support that lasts beyond enrollment as your life and needs change from year to year.
How It Works
A simple, honest process
01
Listen
A conversation about your household, health needs, and budget — before any plan is mentioned.
02
Compare
Francy lays out the realistic options and what each one means for your doctors and your wallet.
03
Choose
You decide the direction that fits — never pressured into a plan that doesn’t match.
04
Stay covered
Enrollment support and a resource you can return to as life changes.
Why people choose this path
Coverage that fits, not a template
PPO
Private plans
Broader-network options beyond the Marketplace.
Personal
Not one-size
Coverage matched to your household, not a template.
Clear
Plain language
Every tradeoff explained so you can decide.
Ongoing
Long-term
A relationship, not a one-time transaction.
More ways Francy can help
View all
Self-Employed & Entrepreneurs
For freelancers, consultants, contractors, and independent professionals — a plan that comes with freedom and is built around your personal and professional needs.
Learn more
Small Business Owners
Running a small business means wearing a lot of hats. Whether you’re looking for yourself, your family, your employees, or a combination — get personalized guidance to compare plans and decide with confidence.
Learn more