Not the most coverage. The right coverage.
Independent health insurance brokers in Arizona, Alabama, Texas, Oregon & California.
Health insurance is confusing on purpose. We make it make sense. Our independent team compares the major carriers, builds a plan around everyone in your household, and stays your point of contact for as long as you have it. Our help is free, because the carrier pays us, not you.
Licensed insurance agents who pick up. No phone trees, no pressure.
Video transcript
Hi, and welcome to Apex Health Advisors.
I'm Alex, one of the co-owners here at Apex. Behind the scenes, I oversee our operations and customer service, which means my job is to make sure every client has a smooth experience from their very first conversation with us through enrollment and beyond.
If you're here, there's a good chance you're trying to make sense of health insurance, and I know it can feel overwhelming. Between the different plans, networks, deductibles, and enrollment deadlines, it's not always clear what the right choice is.
That's why we started Apex Health Advisors.
As an independent agency, we work with multiple insurance carriers, so our goal is to help you compare your options and find coverage that fits your doctors, your prescriptions, your budget, and your lifestyle. We explain everything in plain English so you can make a confident decision without feeling pressured.
Whether you're looking for individual or family coverage, Medicare, or a health plan for your business, we're here to guide you every step of the way.
Our support doesn't stop once you're enrolled, either. If you have questions down the road, need help understanding your coverage, or just want to review your plan, we're here for that too.
Thanks for taking the time to visit our website. Feel free to explore our resources, request a free quote, or reach out if you'd like to talk with one of us. We look forward to earning your trust and helping you find the right coverage.
Where do you fit?
Pick your path
Start with your lane, under 65 or Medicare, or jump straight to the coverage you need. We look at your whole household, not one policy.
Individual & family coverage
ACA Marketplace plans with a real subsidy check, plus private and indemnity options for people not yet on Medicare. Short-term plans where the state allows them.
See under-65 options → Medicare (65+)Medicare, step by step
Advantage, Supplement (Medigap), and Part D, walked through before you sign anything. Medicare help in AZ, AL, TX, OR & CA.
See Medicare options →Families
Whole-household coverage that fits together
Self-employed
Coverage that moves with you
Small business
Group plans for your team
Dental & vision
Routine care most plans skip
Accident & critical illness
Cash paid to you after an accident or a serious diagnosis
Life insurance
Protect the people who depend on you
Guides
Plain-English writeups on ACA subsidies, Medicare, the self-employed, and small business coverage in Arizona, Alabama, Texas, Oregon, and California
What clients say
In their own words
“We recently started working with Apex Health for our company’s health, dental, and vision insurance, and we couldn’t be happier with the experience so far! From the very beginning, their team has been wonderful to work with. They are professional, responsive, knowledgeable, and always willing to help.
They have made the process of getting everything set up smooth and easy, and we truly appreciate how attentive they have been to our questions and needs. It’s refreshing to work with a company that genuinely makes you feel supported and valued.
We highly recommend Apex Health and look forward to continuing to work with their team!
Thanks again for making the transition so smooth and for making everything so much easier for us. We really appreciate it!”
“I had the best experience looking for health insurance. Brent Barnes was easy to chat with knowledgable on the varied plans and made the whole process feel comfortable and attainable. Great way to do business!!”
“After my COBRA plan was terminated I ended up on a ‘Bronze’ plan thru the healthcare exchange. 3 mos later Brent called just to follow up with me from a conversation we had over a year ago. If you want an agent who cares and walks you through every part of the plan answering all your questions he is very patient and takes time to listen to any concerns. Highly Recommend!”
Guides
Latest guides
2027 ACA Rate Increases in Alabama: Every Approved Rate
Alabama approved its 2027 ACA rates on October 2 and none of the four carriers is leaving, which is better news than Arizona got. The reason behind the increases is not medical costs, and the state's largest carrier says so in its own filing.
Cigna Is Leaving the ACA Marketplace for 2027: What Arizona Members Should Do Now
Cigna is exiting the ACA individual marketplace in Arizona for 2027. You will not be left uninsured, but the automatic replacement is where people get hurt.
Medicare Open Enrollment 2027 in Arizona: What Actually Changed
Open Enrollment runs October 15 through December 7. Arizona has 148 Medicare Advantage plans for 2027, but 58 are Special Needs Plans, so 90 are open to anyone, and your county has fewer still. Two drug cost limits also went up: the highest deductible Medicare allows rose to $700, and the out-of-pocket cap rose to $2,400.
Who we are
Real people in your corner
Three founders, one standard. A licensed insurance agent handles your coverage and your options, and you deal with people who know your file.
Our carriers
Carriers we are appointed with
These are the under-65 and ancillary carriers Apex Health Advisors LLC holds active appointments with today, so the comparison you get comes from more than one company’s shelf. We are appointed with multiple Medicare carriers as well, and a licensed agent walks you through those options directly.
The North River Insurance Company is a Crum & Forster company. Your policy always names the company that insures you.
Apex Health Advisors LLC is an authorized Blue Shield of California broker 6019793. Blue Shield of California is an independent member of the Blue Shield Association.
Carrier and plan availability varies by state and plan year, and not every plan from every carrier is offered in every area. We will always tell you which carriers we compared for your quote.
How it works
Four steps, one dedicated agent
Tell us your situation
Answer a few questions. About 90 seconds, no account required.
We compare the major carriers
A licensed insurance agent gets back to you, usually the same business day, notes your priorities, and shops the major carriers, not one company's shelf.
You get the plain-English version
We walk your real options together, screen to screen, and check your doctors, prescriptions, and facilities against each plan. No jargon, no pressure.
We handle enrollment and stay with you
Ready to enroll? We do the paperwork. Not yet? You get a written proposal to keep. Either way we stay your point of contact for renewals and questions every year.
Where we serve
Licensed in Arizona, Alabama, Texas, Oregon & California
Statewide in all five, with more on the way. Start with yours.
Arizona health insurance
Our home market. Under-65 and Medicare help across Phoenix, Scottsdale, Tucson, Mesa, and statewide.
See Arizona options →
Alabama health insurance
Licensed and actively writing across Birmingham, Huntsville, Mobile, Montgomery, and statewide.
See Alabama options →
Texas health insurance
Licensed statewide across all 27 rating areas, from Houston and Dallas-Fort Worth to San Antonio and Austin.
See Texas options →
Oregon health insurance
Licensed statewide for all lines. Oregon runs its own marketplace, its own rules, and its own deadlines.
See Oregon options →
California health insurance
Licensed statewide for health and life, through Covered California. Los Angeles, San Diego, the Bay Area.
See California options →Don't see your state?
We are licensed in five states and adding more. Tell us where you are and we will let you know when we get there.
Tell us your state →Common questions
Good questions, straight answers
What does using Apex Health Advisors cost me?
Nothing extra. Carriers build the same commission into your premium whether you use an agent or not, so our help is free to you. Because we are independent, no carrier owns us and we have no quota to fill for any of them. Commission amounts do vary by carrier and by product, and we will tell you what we are paid on anything we recommend if you ask.
Can't I just use HealthCare.gov myself?
You can, and for some people that is the right move. But a licensed insurance agent compares options you might miss, explains the tradeoffs in plain English, and handles the paperwork, at no cost. If the Marketplace is your best fit, we will tell you.
What happens after I submit the form?
A licensed insurance agent reviews your request and reaches out the same day, usually within minutes during business hours, with real options. We log your answers so nothing gets repeated, and you are never obligated to enroll.
Apex Health Advisors LLC is not affiliated with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 2 to 7 organizations which offer 8 to 78 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. TTY users can call 1-877-486-2048. The line is open 24 hours a day, 7 days a week.
Plan availability is set county by county, so the exact counts depend on where you live. Tell us your county and we will confirm the numbers for your address.
Ready to see your options?
Tell us a little about your situation and a licensed insurance agent gets back to you, usually the same business day and often within minutes during business hours. No spam, no obligation.
This is a solicitation of insurance. A licensed agent may contact you.