My main focus is reducing monthly premium costs for healthy couples and families who do not qualify for a tax subsidy. I routinely save couples between $3K and $5K per year (on average) and families between $5K and $10K per year (on average). Now the programs we use to achieve these savings are not a fit for everyone – that being said, the first step in our process is having discussion with the client, asking 5 quick questions to determine eligibility, and deciding if the program is a good fit. An ideal candidate would be over 35 years old, couple or family, who does not have any substantial medical issues. If any of you have friends, family, or colleagues who meet this criteria I would love the opportunity to speak with them!