Yes, we specialize in full coverage plans that have out-of-pocket maximums. An out-of-pocket maximum is the most important part of a health insurance plan. This will help safeguard your financial well being incase anything serious happens to you.

Nope! Unlike our competitors and most quoting sites, we will keep your information safe within our pool of licensed agents. You will only be contacted by a single agent instead of having your phone blown up by many.

FHQ does not exclusively deal with Obamacare. If you qualify for big savings based on your income or are too unhealthy to be approved for coverage that is based upon your health; we will direct you to our sister company that deals with the Obamacare plans. Everyone's situation is different, so we will find the most suitable plan for every person to the best of our ability.

Absolutely nothing!  Think of us as a matchmaker between the client and the insurance company that’s right for you.  If we make a match and both parties are happy, the insurance company pays us to represent you, to them.  So it’s a WIN/WIN/WIN for you, the insurance company and our agency.

Our expert team specializes in reducing costs for you, your business & your household, by placing individuals and small businesses into a larger group of over 1.9 million others who were approved, just like you, across the country.  Offering better and more affordable PPO options for all your healthcare needs, including Health, Dental, Vision, and Simple Accident coverage for you or your team.

We love helping and are here to assist EVERYONE.  Send your mom, sister, mother, brother and best friends.  We believe there are three types of plans that can be trusted by the American family. The first is a Group Plan.  These are the best!!!  But they are primarily too expensive when it comes to Cobra or a small business owner responsible for the entire payment and MANY individuals don’t have access to them (even if they don’t mind the crazy payment).  They also come with quite a bit government over site and rules that may or may not be right for your business.

The second trustworthy plans are Marketplace plans (also known as ACA/Obamacare).  These plans are super important and the current definition of ‘real insurance’.  If you don’t have access to an employer plan AND you have severe health issues OR you have a lower than optimal household income, this is most likely the right place for you.  The downside some clients have with them is that they don’t travel well, if you have a good income, the price and deductibles can be frightening, they don’t have out of network coverage in most cases, the doctor you most want is likely in network (or heaven forbid the doctor you don’t know you want yet).

The third plans we comfortably recommend are underwritten plans.  These can be built using some of the largest insurance companies in America and using some of the largest PPO networks in the country today.  They can often save a client hundreds of dollars per month (total savings is not guaranteed until we do the audit and you apply and are approved) typically cover their clients both in & out of network and anywhere go in the United States.  You do have to qualify for them by being relatively healthy, but unlike many private plans, the insurance underwrites them client before they come in instead of after the claim, so you know they pay the claim.  Because they underwrite before entry, they are contractually obligated to you till you move into Medicare at age 65, so you never have to shop again.