Only what you need.
Expert Medicare & ACA guidance — whether it pays or not
Book a Call
A 10–15 minute call is usually enough to see the best fit.
Medicare Guidance
Clear, unhurried guidance across Medicare Advantage and Medicare Supplement options—plus enrollment handled correctly.
ACA & Marketplace Coverage
Help navigating plans, subsidies, and networks with a long-term view so your coverage works in real life.
Supplemental Coverage
Add-ons like dental, vision, hearing, hospital, or other gap coverage—only where it actually helps.
Concierge-Style Support
Ongoing help with reviews, plan changes, billing, and questions—without call centers, handoffs, or time limits.
A calmer, clearer way to choose health coverage
I’m Adam Pearl, an independent health insurance agent. I help individuals and families make confident decisions about Medicare, ACA Marketplace plans, and supplemental coverage.
I stay available after enrollment for reviews, changes, and questions as life evolves.
Why work with us?
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No. There’s no fee to work with me. I’m paid by the insurance companies if a plan enrolls, and that pay is the same whether you use me or go directly to them. The difference is you get guidance, explanations, and ongoing support instead of figuring it out alone.
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Yes — that’s the whole point. I compare plans across multiple carriers based on your doctors, prescriptions, usage, and budget. I’ll tell you what works, what doesn’t, and why. If the best option isn’t the most profitable one, that doesn’t change the recommendation.
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When you call an insurance company, they can only talk about their own plans. I’m independent, so I can compare options side by side and explain the trade-offs. I also stay involved after enrollment — the carrier does not.
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Yes. That’s when most questions actually come up. I help with billing issues, coverage questions, plan changes, and annual reviews — not just the initial signup.
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That’s fine. I can review your current coverage, explain what you actually have, and let you know whether it still makes sense. If nothing needs to change, I’ll tell you that.
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Most conversations take 15–30 minutes, depending on your situation. If it’s more complex, we take the time it needs. I don’t rush people through decisions they’ll live with all year.