Bridging to Medicare
Pre-65 retirees facing $900–$1,500/mo for unsubsidized ACA.
We cap your monthly cost and protect your Social Security runway until 65.
Healthcare Cost Strategists · Pre-Medicare · COBRA · Self-Employed
Stop Overpaying for Coverage You Don't Love.
We're healthcare cost strategists for people in life's expensive in-between — early retirement, post-COBRA, divorce, or going it alone. We cap your monthly cost and protect your income.
- Licensed Strategists
- A− RATED CARRIER
- Nationwide PPO
- Independent Agency
- BBB Accredited
- Licensed Strategists
- A− RATED CARRIER
- Nationwide PPO
- Independent Agency
- BBB Accredited
Who We Help
Strategy for life's expensive in-between.
Most people don't need another insurance pitch. They need a strategist who can look at what they're paying today and design something smarter.
Off the COBRA Cliff
$1,200–$2,000/mo to keep coverage you used to share with an employer.
Replace COBRA with a real plan — often for less than half.
Life Just Changed
Divorce, a spouse's plan ending, or a family restructure left you uncovered.
A strategist walks you through a calm, lower-cost path forward.
Self-Employed / 1099
Paying retail for an unsubsidized ACA plan you barely use.
Build coverage that fits how you actually spend healthcare dollars.
Found Money Audit
What are you paying for health coverage right now?
COBRA, ACA, employer buy-up, short-term — we audit them all. Most people are paying more than they should.
$/ month
Market reality: average COBRA runs $700–$1,800/mo. Unsubsidized ACA for a healthy 60-year-old averages ~$900/mo. Strategist-placed PPO members typically pay 30–50% less.
Real example — how it actually works
Sarah, 44 — Columbus, Ohio
2-day hospital stay for appendectomy
Optimum Health Saver — Plus Plan
Hospital billed$12,400.00
First Health PPO network discountX1 Network Rate−$4,960.00
After network discount$7,440.00
Sarah's plan benefit(2 days × $6,000/day — Plus plan)$12,000.00
Sarah Receives
Check mailed directly to her
+$0.00
Sarah's monthly premium: $247/mo
"I got a check after my hospital stay. I didn't even know that was possible."
— Sarah M., Columbus OH
Results vary. Sarah's example uses Plus plan benefits with a $500 deductible and First Health network pricing. Your benefits depend on your plan, provider, and services received.
How a Cost Strategist Works
Three moves. One smarter plan.
Audit what you're paying
COBRA, ACA, employer buy-up, short-term — we look at every dollar leaving your account for healthcare.
Map your risk
Your health, your income, your retirement horizon — we model the gaps and the real exposure.
Build the right stack
PPO base, fixed-benefit, supplemental — the lowest-cost protection that actually fits your life.
The Process
Getting covered is simple.
- 01
Strategy call / eligibility
Two-minute quiz, then a quick chat with a strategist.
- 02
Build your quote
Get instant pricing tailored to you.
- 03
Choose your plan
Review options and carrier brochures.
- 04
Lock in your plan
Apply with a licensed strategist on the line.
See How It Works
Watch: How the Full Bundle Works
This video explains how the Full Protection Bundle works — health coverage, critical illness, specified disease, and accident protection working together.
How This Plan Works
This Isn't Your Typical Health Insurance — Here's Why That's a Good Thing
Most people have only ever had copay-based insurance. This works differently — and once you understand how, you may never go back.
You get paid a set dollar amount
When you receive a covered service — a hospital stay, a doctor visit, surgery — your plan pays you a fixed dollar benefit for that service. It doesn't matter what the hospital charges. Your benefit is set in advance and paid directly.
If the bill is less than your benefit, you keep the difference
This is the part most people can't believe. If your plan pays $3,000 for a hospital day and your negotiated bill through the First Health network is $1,800 — you pocket the $1,200 difference. Cash, paid to you. No questions asked.
No copays. No referrals. No networks you're forced to use.
You can see any doctor, specialist, or hospital in the country — no referral needed. There are no copays on covered services. If you choose to use the First Health PPO network, your negotiated rates are lower, which means more money back in your pocket.
Your benefit amount never changes mid-year
Unlike ACA plans that can surprise you with balance bills and cost-sharing changes, your fixed benefits are locked in. You know exactly what your plan pays before you ever walk into a doctor's office.
Free telehealth — $0, unlimited
Talk to a board-certified doctor 24/7, 365 days a year at no cost. Get a diagnosis, treatment plan, or prescription without leaving your house. This is included with your plan at no extra charge.
One thing to know
If your bill is higher than your benefit amount, you are responsible for the difference. This is why using the First Health network matters — negotiated rates can significantly reduce what providers charge, closing that gap. Your advisor will show you how to use the network to your advantage.
How This Compares to Traditional Coverage (ACA, COBRA, Employer)
The differences are real. The trade-offs are honest.
ACA · COBRA · Employer Plans
This Plan
Monthly premium based on income/age
Monthly premium based on your health — healthy people pay less
Copays, deductibles, coinsurance stack up every visit
No copays. Fixed benefit paid directly for covered services.
Network restrictions — wrong doctor can cost thousands out of pocket
Any doctor, any hospital, anywhere in the US
Subsidies can disappear if your income changes
Your rate is based on your health, not your income
Guaranteed issue — everyone qualifies regardless of health
Medically underwritten — healthy people get better rates
Balance bills can be unpredictable
Benefits are fixed and known before you ever need care
This comparison is general in nature. Individual results vary. ACA plans may be a better fit for individuals with significant pre-existing conditions or who qualify for substantial subsidies.
Tools to Help You Get the Most Out of Your Plan
Being an engaged healthcare consumer saves you money. These tools help you find quality care at fair prices before you ever get a bill.
Find In-Network Providers
Using the First Health Limited Benefit Plan (LBP) Network means providers have agreed to negotiated rates — which means lower bills and more benefit dollars back in your pocket. Search doctors, specialists, hospitals, labs, and imaging centers near you.
Search the First Health NetworkAlways confirm with your provider that they are currently in-network before your appointment, as networks can change.
Search Prescription Prices
Compare prescription prices at more than 60,000 pharmacies nationwide with WellRx. In many cases, you'll find a lower cash price than what insurance alone would charge — useful for routine generics and one-off fills.
Search Prescription PricesCommon Questions
Benefits, exclusions and limitations vary by state. This plan does not meet the requirements of the Affordable Care Act. Coverage underwritten by Philadelphia American Life Insurance Company.