Insurance Options for Individuals & Families
Navigating the complex world of health and life insurance to find the perfect fit for your unique life stage and budget.
The options listed here are non‑ACA (non‑Marketplace) plans, which means you can typically enroll at any time during the year, no Open Enrollment window required. We’ll help you sort through which options fit your situation best.
Insurance Options for Self-Employed & Small Businesses
Customized Group Benefits
Small Group Health
Tailored medical plans for teams of 2 or more. Attract and retain top talent with competitive coverage options that fit your growth strategy.
HSA-Compatible Options
High-Deductible Health Plans paired with tax-efficient Health Savings Accounts for budget-conscious professionals and startups.
For small businesses and groups, coverage is always tailored. We start by understanding your team size, budget, and priorities, then design a package that fits. Because every group is different, quotes for Small Group Health and related benefits are prepared by a licensed broker after a brief conversation.
Owners & Key People
Critical protection for business leaders, including key person life insurance and executive health benefits to ensure operational continuity.
Why Choose Downtain Consulting for Insurance
As an independent Life & Health Insurance broker, we offer objective guidance across multiple carriers. We focus on providing clarity and the right fit for individuals, families, and small businesses alike.
Independent Advocacy
✓
We work with multiple top-tier carriers to ensure you get unbiased options tailored to your specific goals.
Objective Guidance
✓
Our recommendations are driven by data and fit, helping you navigate complex life and health plans with ease.
Total Clarity
✓
We simplify the fine print for individuals and small businesses, ensuring you understand exactly what you are paying for.