Not the most coverage. The right coverage.
Independent health insurance brokers in Arizona, Alabama & Texas.
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 advisors 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, short-term, and indemnity options for people not yet on Medicare.
See under-65 options → Medicare (65+)Medicare, step by step
Advantage, Supplement (Medigap), and Part D, walked through before you sign anything.
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, and Texas
What clients say
In their own words
“I had a great experience working with Brent. He took the time to explain all of my health insurance options and answered every question I had without ever making me feel rushed or pressured. He made what can be a confusing process so much easier to understand and helped me find a plan that fit both my needs and my budget. If you're looking for someone who is knowledgeable, responsive, and genuinely cares about helping people, I highly recommend reaching out to him. Thank you for making the process so easy!”
“Brent could not have been more helpful! He answered any questions I had, and I had a lot of them. He was very patient. I would definitely recommend this service to anyone seeking insurance options.”
“Brent was awesome and answered all my questions.”
“Brent was truly amazing! His level of professionalism and service was refreshing. In less than 12 hours, Brent made it happen. I walked away with an amazing insurance plan.”
Guides
Latest guides
2027 ACA Rate Increases in Texas: Every Carrier's Filed Number
Texas carriers filed a median increase of about 13.6 percent for 2027, less than half what Arizona filed. Here is every number, and the two exits that matter more than the percentages.
Lost Your Job? Read This Before You Elect COBRA
The benefits packet only describes COBRA, because it is the only option your employer has to offer you. It is not a recommendation, and it is often not the best deal on the table.
2027 ACA Rate Increases in Arizona and Alabama: What They Actually Do to Your Bill
Arizona carriers filed between 3 and 34 percent for 2027. Alabama filed between 12 and 35 percent. Here is every number, and why the headline is not your bill.
Who we are
Real people in your corner
Three founders, one standard. A licensed advisor 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.
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 advisor
Tell us your situation
Answer a few questions. About 90 seconds, no account required.
We compare the major carriers
A licensed advisor reaches out the same 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
Statewide in all three, with more on the way. Start with yours.
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, we are not paid more to put you on any particular plan.
Can't I just use HealthCare.gov myself?
You can, and for some people that is the right move. But a licensed advisor 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 advisor 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 3 organizations which offer 16 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.
Ready to see your options?
Tell us a little about your situation and a licensed advisor reaches out the same day, usually within minutes during business hours. No spam, no obligation.
This is a solicitation of insurance. A licensed agent may contact you.