“What happens if you’re on the wrong plan when something serious comes up?”
Nothing — until it does. A diagnosis. A surgery. A specialist that isn’t covered. That’s when the affordable plan starts costing you thousands. And by the time you find out, the enrollment window is usually closed. That’s not a hypothetical — that’s what happens to people every year in North Carolina.
Who Can Help You Find the Right Health Insurance?
Finding the right health insurance depends on where you are in life. If you're 65 or older, you're navigating Medicare — the alphabet soup of Part A, B, C, D, Medigap, and Advantage plans. If you're under 65 without employer coverage, you're looking at ACA marketplace plans with subsidies, metal tiers, and enrollment windows. Either way, an independent broker can compare every option at no cost to you. Rob Simm at GenerationHealth has helped over 500 families in Wake and Durham counties figure out exactly what they need.
“Every plan on the market was built with a weakness.”
Medicare salespeople won’t tell you which one you’re in. I will. Every plan — Medicare Advantage, Medigap, Part D — was designed with trade-offs. A $0 premium plan isn’t free. A plan with a big name on the card isn’t necessarily the best plan in your county. The weakness isn’t in the brochure. It shows up when you need the plan to actually work.
It's Overwhelming — Here's What Most People Struggle With
Picking the wrong Medicare plan can cost you thousands. These are the consequences people face:
Choosing the wrong plan and paying thousands out of pocket for care you thought was covered
Missing enrollment deadlines and getting hit with penalties that last the rest of your life
Finding out your doctor doesn't accept your plan after you've already enrolled
Discovering your medications aren't covered when you're standing at the pharmacy counter
Paying for coverage you don't need while missing the benefits you actually use
Getting stuck in a plan that doesn't work and waiting 12 months to make a change
Falling into the Part D coverage gap and paying full price for prescriptions
Not understanding the difference between Original Medicare and Medicare Advantage until it's too late
“If you’re buying insurance on your own, the plan you picked probably wasn’t built for you.”
It was built for the healthiest version of you. The marketplace makes it easy to pick a premium and move on. What it doesn’t show you is the deductible you’ll face before coverage kicks in, whether your doctors are actually in-network, or what your prescriptions will cost under that formulary. The plan that looks affordable in January can cost you thousands by June.
Let's Figure Out What's Right for You
One call. No strangers. No spam. Just real Medicare help from a local broker.
“Do you know what your plan’s weakness is?”
Every plan on the market was built with one. The $0 premium, the low monthly cost — those numbers look great until something goes wrong. Most people never find the weakness in their plan. They find it when they need the plan to work.
It's Overwhelming — Here's What Most People Struggle With
One wrong choice can cost you thousands in premiums, bills, or tax surprises:
Paying full price when you qualify for subsidies you didn't know existed
Choosing the cheapest premium and getting hit with a $9,000 deductible when you need care
Finding out your doctor is out of network after your first appointment bill arrives
Missing open enrollment and going without coverage for the entire year
Losing your subsidy mid-year because you underestimated your income
Picking the wrong metal tier and overpaying every month for coverage you never use
Not understanding cost-sharing and getting surprise bills after a procedure
Estimating income wrong and owing thousands back at tax time
Let's Figure Out What's Right for You
One call. No strangers. No spam. Just real ACA help from a local broker.
What Happens When You Work With Rob
Not a 1-800 number. Not a stranger. One broker, one conversation, real numbers.
“What would it mean to make this decision knowing exactly where you stand?”
No stack of mail. No guessing. No finding out later that your plan has a gap you didn’t know about. Here’s what I do: I pull every plan available in your county, run your doctors and drugs through each one, and show you the total annual cost side by side. One call, 20 minutes, no obligation. You leave knowing exactly what to do — and exactly why.
No SSN Required
ZIP code, doctors, and drug list is all it takes to start
No Spam Calls
One broker. Your information never sold to other agents.
$0 Cost to Compare
License #10447418 · Verify at NCDOI.gov
“I can show you in 15 minutes whether your current plan is costing you more than it should.”
We look at your actual subsidy based on your real income, run your doctors and prescriptions through every plan available to you, and compare total annual cost — not just the monthly premium. Most people find they’re either overpaying or underprotected. Either way, 15 minutes gives you the full picture. No obligation. No follow-up calls from strangers. Just clarity.
“Every plan I’ve ever reviewed has a weakness.”
Most people don’t know theirs until they need it most. Here’s what I do: I pull every plan available in your county, run your doctors and prescriptions through each one, and show you the total annual cost side by side — not just the monthly premium. One free call, 20 minutes. You leave knowing exactly which plan fits your life and exactly why. No pressure. No obligation. Just the full picture, finally.
MedicareWhat happens if I miss my Initial Enrollment Period?
You may face late enrollment penalties and coverage gaps. The 10% Part B penalty compounds for every 12-month period you could have enrolled but didn't — and you pay it for the rest of your life. You'll also wait until General Enrollment (Jan–Mar) and coverage won't start until July.
ACAHow do I know if I qualify for subsidies?
Subsidies depend on your household income and family size. In 2026, individuals earning $15,650–$62,600 (100%–400% FPL) may qualify for premium tax credits. Cost-sharing reductions are available below $39,125 (250% FPL) on Silver plans. I run the numbers for you in about 5 minutes.
GeneralDo I pay anything for your help?
No — my services are completely free to you. I'm compensated by the insurance carriers, not by you. You pay the same premium whether you enroll directly or through me. There's no markup, no hidden fee, no catch.
GeneralCan you help with both Medicare and ACA plans?
Yes. I'm licensed to help with Medicare (65+), ACA Marketplace (under 65), and supplemental coverage. Many families need help with both — a parent turning 65 while adult children need marketplace coverage. One call can cover everyone.
MedicareWhat's the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) replaces Original Medicare with a private plan — often $0 premium but with networks and prior auth. Medigap supplements Original Medicare — you keep any doctor who accepts Medicare, but pay a monthly premium ($100–$300). One isn't better; it depends on your doctors, drugs, and how you use healthcare.
ACAWhat if I miss Open Enrollment?
You'll need a Special Enrollment Period (SEP) triggered by a qualifying life event — losing coverage, moving, getting married, having a baby. Without an SEP, you wait until November's Open Enrollment for coverage starting January. Don't go uninsured hoping nothing happens.