Welcome! If you are like most and unsatisfied or unsure whether you are in the best plan possible—then you are in the right place. We strive to make things simple and easy to understand. Whether you choose to enroll in a new health plan, want to add additional coverage, or stay with your current coverage, we vow to take the necessary time to review your coverage, healthcare needs, and budget to give you the piece of mind you deserve. Below you will find a lot of valuable information as well as our inquiry form, where you can schedule a call with Burton. Together, you will review coverage options. There is absolutely no obligation to purchase a plan when you schedule a call with us.

Finding affordable, reliable health insurance under 65 can feel like you are navigating through a maze blindfolded. Between the rising costs, confusing plans, and the fine print that seems designed to trip you up—it’s no wonder so many feel overwhelmed.

But you’ve come to the right place. Here, we make health insurance simple, personal, and (dare we say?) stress-free. Whether you're self-employed, a 1099 contractor, a small business owner, or simply tired of overpaying for health a health insurance plan you feel wasn't customized to fit your healthcare needs, we can help. We specialize in cutting through the clutter and finding a plan that fits you—your needs, your budget, your peace of mind.

Together, let’s make insurance suck a little less (or maybe a lot less). 😉

Get a Health Insurance Plan That Fits Your Needs!

If you're Pre-Medicare (U-65) and unsure about your options —We have Great News! There are lots of options and we have them ALL!

Below is an overview of the various health insurance options you may or may not be familiar with. Each of these has their own, specific pros and cons that together we will review to determine which is the best, most cost effective plan for you.

➡️ COBRA is designed to give employees and their families who lose their benefits the ability to continue coverage previously provided by their employer for a limited period of time (usually up to 18 months) such as voluntary or involuntary leave, reduction in hours, transition between jobs, death, divorce, and other life events. Individuals may be required to pay the full premium for coverage up to 102% of the premium.

➡️ AFFORDABLE CARE ACT (Marketplace/ ObamaCare) is the comprehensive health care reform law enacted in March 2010. The law had 3 primary goals:

1. Offer an affordable option to more people by providing subsidies (“ ax credits”) lowering costs for households with incomes from 100% to 400% of (FPL).

2. Expand Medicaid to cover all adults with income below 138% of the FPL (not all states have expanded their Medicaid programs).

3. Support innovative medical care delivery methods designed to lower the costs of healthcare.

We only work with the top-rated carriers you know and trust. Applications require NO health exams, have no exclusions for pre-existing health conditions and take under 10 minutes to complete.

➡️ Short-Term Health Plans are a temporary solution designed to cover medical expenses for emergencies and other health concerns, often used to bridge gaps between plans. These plans typically last 1 to 3 months with the ability to extend for an additional 4th month. Coverage offers fewer benefits and lower coverage amounts than COBRA or plans through the ACA. They may have limited office visits, rarely cover pre-existing conditions, mental health services, substance abuse, or maternity. Unlike ACA plans, there is no enrollment period and can be signed up year round. Plans are NOT regulated by the Affordable Care Act.

➡️ Defined Benefit Health Plans are another great option that pays a set, predetermined benefit for each service. In many cases the benefit paid exceeds the charged or billed amount. In those cases, the customer receives the unused benefit dollars back. This occurs over 85% of the time with our highly rated Flagship carrier. These plans are very comprehensive, have no deductible and no copays for outpatient services. Often time these are best option and are great for those who have inconsistent income, income that is difficult to predict, does not qualify for a tax credit, travel extensively for work (truck drivers, travel nurses, etc), or small business owners wanting to offer an affordable benefit package to their employees. Much like the Short-Term Health Plans, there is no enrollment period and are NOT regulated by the Affordable Care Act.

➡️ Healthcare Sharing Plans are provided by organizations whose members “share” medical costs. You are responsible for paying a monthly share amount (like a premium) as well as an “annual unshared amount” for medical expenses (similar to a deductible) that your medical expenses must exceed before the plan shares your expenses. Health sharing organizations are mostly religious-based but does not always mean you must declare your faith to participate or join. They do however, ask you to agree to live by a moral and healthy lifestyle—like not using tobacco or abusing drugs or alcohol. Healthcare sharing is NOT medical insurance, but count as insurance under the Affordable Care Act. They are not regulated by the department of insurance. Healthcare sharing plans aren’t required to cover pre-existing conditions, like cancer, diabetes, or lifestyle-related conditions like smoking and may decline coverage or won’t cover the conditions for 1+ years.

WITH SO MANY OPTIONS, HOW DO I DECIDE?

My advice, don't attempt to navigate this alone! It's complex and confusing at best. You wouldn't attempt to diagnose and treat symptoms of an illness without an expert medical opinion, right? Health insurance can also have a long-lasting impact if not approached appropriately. Choosing the wrong plan can be devastating. It can impact your ongoing health and financial situation(s), simply by selecting inadequate coverage, wrong network affiliation, or overpaying for coverage that isn't the right fit for your healthcare needs.

It's important to work with a specialist with years of experience, who knows and understands health insurance in the U.S. Brokers do not charge service fees, there is no financial obligation to speak with us. We do not have obligations to any one company, we are completely independent. We will help to remove the stress and simplify the process by shopping the entire market with you to provide support and answer questions.

How Our Story Began

Burton is the President and founder of Hercules Health Solutions. He's a natural born leader with a desire to help protect others which came from years in healthcare. Burton spent 20+ years serving his communities as a Flight Paramedic, with time in Las Vegas, Nevada, Austin and Dallas, Texas, as well as the mountainous region of Montana, South Dakota, and Wyoming. Burton began teaching fellow Paramedics, Nurses, and Physicians finding a love for education, He found it be so rewarding, having the ability to spread his knowledge and expertise. It led him to becoming the Regional Clinical Educator for the largest air-medical companies in the U.S.

After his years flying came to an abrupt end in 2020, when he was forced into a career change that led to the opportunity of a lifetime. Like many others, Burton found himself unemployed, job hunting along with searching for health insurance. "I learned, first-hand how flawed the industry is in the U.S. when it comes to finding coverage." "I was overwhelmed and frustrated with the entire process." That frustration led him to become a trailblazer in the industry. He has devoted career as an insurance broker, helping others to find and better manage their coverage. His goal is to change how his clients approach the healthcare system through health insurance.

Burton is licensed nationwide, allowing him the flexibility to help more people. He partners with the top companies, and offers hundreds of customizable health insurance options.

We let our clients speak for us. with hundreds of 5-Star reviews!