What the desk does
Four services, two audiences, one method
Everything here comes down to the same discipline: assemble the facts before forming the opinion, then show the arithmetic that produced it. That works identically whether the client is a household in November or an agent with nine hundred of them.
Service 01 Individuals & families
Plan selection
A structured comparison of every plan in your rating area, run against your own physicians, prescriptions and expected utilisation.
- Price
- No consumer fee
- Turnaround
- One session, 40 minutes
Service 02 Individuals & families
Subsidy review
Income modelling, FPL banding and cost-sharing eligibility, done before you enrol rather than discovered when you file.
- Price
- No consumer fee
- Turnaround
- Same day
Service 03 Individuals & families
Special enrollment
Event verification, document assembly and effective-date planning for the 60-day window after a qualifying life event.
- Price
- No consumer fee
- Turnaround
- Started same day
Service 04 Licensed agents
Agent platform
Book of business, quoting desk, commission reconciliation and compliance tracking for independent licensed agents.
- Price
- $16 per household per year
- Turnaround
- Migration in six business days
The method
Facts, then filters, then price
It is the same four steps every time, and the order is the whole point. Price is the last filter, never the first.
- 01
Assemble the facts
ZIP code, household, ages, income, physicians, prescriptions. Or for an agent: the book, the statements, the licences.
- 02
Apply the hard filters
Anything that fails on network, formulary, eligibility or compliance is removed before it is priced.
- 03
Model the survivors
Three scenarios, twelve months, one number each. Premium plus expected cost share, not premium alone.
- 04
Write it down
One recommendation, the runner-up, and the reason it lost. In writing, so it can be argued with.
Next
Which side of the desk are you on?
Households start with the comparison ladder. Agents start by sending an export and seeing their own book come back reconciled.