Whitcomb Insurance Advising

Protecting what matters most.
Health. Family. Future.

Independent, licensed health insurance advice from a real person you can look up and verify — not a call center. I compare private and ACA Marketplace plans side by side and put you where you actually fit best.

NPN 22312888 Licensed in 20 states
Portrait of Zach Whitcomb
Who I help

Coverage built around your situation, not a one-size quote.

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Individuals

Personal health coverage that fits your budget and the doctors you actually use.

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Self-Employed

Reliable coverage without an employer plan — including ACA subsidy guidance.

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Families

Plans that cover the whole household without overpaying for coverage you don't need.

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Small Business Owners

Group and alternative funding options to cover your team affordably.

Private vs. ACA

I’m not locked into one type of plan — you get whichever actually works.

My focus is private health insurance, but private isn’t always the right fit. If an ACA Marketplace plan gets you better coverage or a lower net cost after subsidies, that’s exactly where I’ll put you. The plan should serve you — not the other way around.

See how I compare plans →

Appointed Carriers

UnitedHealthcare
Aetna
Cigna
Blue Cross Blue Shield

Carrier appointments let me compare real plans across companies instead of pitching just one.

Don’t just take my word for it

Look me up before you trust me with your coverage.

My license, NPN, and appointed states are all a matter of public record. Here’s exactly how to check.

Verify My License →