Clear Guidance.
Better Coverage.
I help individuals, families, self-employed professionals, and small businesses compare ACA Marketplace and private health coverage from multiple leading insurance carriers.
Get personalized guidance based on your household, doctors, prescriptions, budget, and expected medical needs.
Coverage Options for the Way You Live & Work
Health insurance is not one-size-fits-all. Compare available options based on your household, work situation, health needs, budget, and location.
Individuals & Families
Coverage designed around your household, doctors, prescriptions, budget, and expected medical needs.
Self-Employed & 1099
Explore Marketplace and private health coverage without relying on an employer-sponsored plan.
Small Businesses
Review coverage strategies for owners, employees, and small groups with different benefit needs.
Dental, Vision, Life & More
Add protection for dental care, vision needs, life insurance, accidents, and other coverage gaps.
Two Important Coverage Paths
ACA Marketplace Coverage
Comprehensive major medical coverage with protections for pre-existing conditions.
- Coverage for major pre-existing conditions, mental health, and pregnancy.
- Income-based assistance when eligible.
- Carrier availability based on location.
Private Health Coverage
Flexible health insurance PPO plans with broad provider choice and direct access to specialists without referrals.
- No referrals needed
- Out of Network Access
- Underwritten and Guaranteed Issue plans available in most states
A Simpler Way to Compare Health Coverage
Tell Me What You Need
We review your household, location, doctors, prescriptions, budget, and timeline.
Compare Appropriate Options
I review available Marketplace and private-sector choices.
Review the Details
We compare premiums, deductibles, networks, benefits, limitations, and exclusions.
Apply With Guidance
I help you complete the application and understand the next steps.
Straightforward Guidance From a Licensed Health Advisor
I’m Eric Sherman, the owner of ES Health and a state-licensed health insurance advisor. I help individuals, families, self-employed professionals, and small-business owners compare health coverage without overwhelming them with hundreds of plans or steering them toward one insurance company.
My approach is personal and educational. I explain the meaningful differences between available options so you can make an informed decision based on coverage—not simply the lowest advertised premium.
We Work With Major Insurance Carriers
BlueShield
Healthcare
Healthcare
Carrier and plan availability varies by state, county, eligibility, enrollment period, and underwriting requirements. ES Health is an independent insurance advisory business and is not owned by or exclusively affiliated with any one insurance carrier.
Find Coverage With Confidence
Personalized guidance. Multiple carrier options. Coverage that fits your life.
FAQs
Can you compare ACA and private health coverage
1
Yes. I can explain the differences between ACA Marketplace plans and private coverage, including eligibility, benefits, networks, deductibles, and out-of-pocket costs.
Do you help individuals and families?
2
Yes. I help individuals and families compare coverage based on their needs, budget, doctors, prescriptions, and preferred benefits.
Do you work with self-employed people and small businesses?
3
Yes. I help self-employed individuals, 1099 workers, and small businesses review available coverage options.
Are you licensed in my state?
4
I am licensed in multiple states. Visit the View State Licenses page to see the states where I am licensed.
How do I schedule a coverage review?
5
Use the scheduling link, call 214-471-6883, or email ESherman@eshealth.net to arrange a convenient time.