Coverage That Works for Your Life
Every client's situation is different. Here is every product we offer — and what each one actually does for your family.
ACA, Supplemental & More.
We offer a full range of health and life insurance products. Here is what each one does and who it is right for.
ACA Marketplace Plans
An ACA marketplace plan is health insurance purchased through the federal or state exchange. It covers doctor visits, specialist care, emergency services, prescriptions, and preventive care. Premiums and cost-sharing are based on your household income and size. Available to individuals, families, and the self-employed. Year-round enrollment available for qualifying life events.
Accident Insurance
Accident insurance pays you directly — not your doctor — if you are injured in a covered accident. It covers things your health insurance does not: transportation costs, recovery expenses, and lost income while you heal. Affordable monthly premiums. Pairs with any health plan.
Critical Illness Insurance
Critical illness insurance pays a lump sum directly to you if you are diagnosed with a covered condition — cancer, heart attack, stroke, and others. Use the money however you need: medical bills, household expenses, lost income, or anything else. A diagnosis should not mean a financial crisis.
Dental & Vision Coverage
Dental and vision coverage fills a gap that most health insurance plans do not cover. Routine dental care, cleanings, fillings, crowns, and orthodontics. Eye exams, prescription lenses, and contacts. These are everyday healthcare costs that add up quickly without coverage. Standalone dental and vision plans are available year-round and are often more affordable than most people expect.
Cancer Indemnity Insurance
Cancer indemnity insurance pays you a fixed cash benefit directly when you are diagnosed with or treated for cancer. Benefits can be triggered by diagnosis, surgery, chemotherapy, radiation, hospital stays, and follow-up care. Unlike health insurance which pays your providers, this pays you — to use however you need. Treatment costs, travel to specialists, experimental therapies, or household bills while you focus on recovery.
Medicare Advisory Services
Medicare is health coverage for Americans 65 and older and certain individuals with disabilities. Navigating Medicare — Part A, Part B, Part C (Medicare Advantage), Part D drug coverage, and Medigap supplements — can be complex. RedHealth Advisors will offer comprehensive Medicare advisory services to help you understand your options and choose the right coverage for your specific situation.
Medicare advisory services coming soon. Contact us to be notified when available.
Life Insurance
Life insurance is more than a death benefit.
Most people think of life insurance as something that protects their family if they die. That is true — and it is only part of the story. The right life insurance policy can also serve as a living financial tool, building cash value over time that you can access tax-advantaged for retirement income, emergencies, or major expenses.
RedHealth Advisors helps clients find the right type of life insurance for their specific situation — whether that is straightforward protection for a young family, a permanent policy designed to build long-term wealth, or final expense coverage for end-of-life costs. We explain each option clearly, without pressure, and help you make a decision that fits your life and your budget.
Term Life Insurance
Term life insurance provides coverage for a specific period — typically 10, 20, or 30 years. It is the most straightforward and often most affordable form of life insurance. If you die during the term, your beneficiaries receive the death benefit. Best for: young families, mortgage protection, income replacement during working years.
Permanent Life Insurance
Permanent life insurance — including whole life and indexed universal life — provides lifelong coverage and builds cash value over time. That cash value grows on a tax-deferred basis and can be accessed while you are still alive. Used strategically, permanent life insurance can supplement retirement income, fund major expenses, or serve as a tax-advantaged savings vehicle alongside traditional retirement accounts.
Final Expense Insurance
Final expense insurance is a smaller whole life policy designed to cover end-of-life costs — funeral expenses, burial, and outstanding debts. It is typically easier to qualify for than traditional life insurance and provides peace of mind that your family will not face financial burden during an already difficult time. Available to individuals typically between ages 50 and 85.
Small Business Solutions
A smarter way to offer health benefits to your team.
Every business is different. We offer two primary solutions for small business health coverage — and we help you figure out which one is right for your team.
Individual Coverage HRA (ICHRA)
A flexible, modern alternative to traditional group health insurance. Your business sets a monthly reimbursement amount. Your employees choose their own individual plans. You control costs — they get coverage that fits their lives. No minimum participation. No renewal headaches.
Traditional Group Health Insurance
A single health plan covering all eligible employees under one policy. Group plans offer simplicity and broad coverage for businesses that prefer a traditional benefits structure. We help you evaluate carriers, plan options, and costs to find the right fit for your workforce.
Not sure if ICHRA is right for your business? Schedule a free consultation and we will walk you through your options.
Ready to find coverage that actually fits?
No pressure. No jargon. Just a real conversation with a licensed advisor — free.
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Licensed in Texas and Oklahoma | Ryan Hutson NPN: 21321807 | Mike Grimes NPN: 7850056
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