Health insurance expertise
wherever you are
Lifestyle Advisors are licensed independent health insurance brokers serving individuals, families, and small businesses across more than 11 states with dedicated resources for Minnesota, Florida, Hawaii, California, Texas, North Carolina, and Missouri.
In-depth coverage for these states
Full carrier comparisons, enrollment windows, subsidy calculators, and local guidance — built specifically for each state’s marketplace.
Amy’s home state. MNsure Certified Assister. 5 carriers, 21.5% avg rate increase, and MinnesotaCare for low-income residents. One application covers all three programs.
Minnesota Plans →The most competitive Medicare market in the US. 4.7 million Floridians on the ACA exchange. Enhanced subsidies expired in 2026 — reviewing your plan is critical this year.
Florida Plans →All Hawaiian islands served. AlohaCare Medicare Advantage from $43/month. Med-QUEST Medicaid, D-SNP dual-eligible plans, and Hawaii’s natural healing traditions.
Hawaii Plans →State mandate with $950 penalty. 11 Covered California carriers. Both federal and state subsidies available. On-exchange vs off-exchange comparison — critical for higher earners.
California Plans →8+ carriers across 254 counties. No Medicaid expansion, identifies alternatives for the coverage gap. Short-term plans, cost sharing, and ACA all compared.
Texas Plans →Missouri uses HealthCare.gov with 9 carriers across all 114 counties. Medicare Advantage options from multiple carriers. Amy compares all options at no cost.
Missouri Plans →Uses HealthCare.gov with 4 carriers across all 46 counties. No Medicaid expansion — we identify alternatives for the coverage gap. ACA subsidies, short-term plans, and Medicare Advantage all compared.
South Carolina Plans →Uses the Connect for Health Colorado state exchange with 7 carriers across all 64 counties. Colorado Option standardized plans, state subsidies, and Medicare Advantage all compared at no cost.
Colorado Plans →Uses HealthCare.gov with 5 carriers across all 95 counties. No Medicaid expansion — we identify alternatives for the coverage gap. ACA subsidies, short-term plans, and Medicare Advantage all compared.
Tennessee Plans →Wisconsin uses HealthCare.gov, with 12 marketplace carriers for 2026 (down from 14). Rates rose an average of 22.8% this year, with several carriers exiting or pulling back from counties. BadgerCare Plus covers Medicaid for low-income residents and families. Amy reviews your options to find the best fit as carrier availability shifts.
Wisconsin Plans →Iowa uses HealthCare.gov, with six marketplace carriers for 2026 — Wellmark and Medica cover all 99 counties, with Oscar, Iowa Total Care, UnitedHealthcare, and Avera in select areas. IA Health Link covers Medicaid for adults up to $22,020/year, and Hawk-I covers kids in higher-income families. Amy compares plans and subsidy eligibility across the board.
Iowa Plans →South Dakota uses HealthCare.gov, with three marketplace carriers for 2026 — Avera and Sanford cover the whole state, with Wellmark in 42 of 66 counties. Medicaid expanded in 2023, so adults at or below 138% FPL qualify for Medicaid rather than marketplace subsidies. Amy helps you navigate which side of that line you fall on and find the right plan.
South Dakota Plans →All states have a licensed broker
We have active licenses in 12 states and counting. Don’t see a dedicated page for your state? Call or book. We serve all states below.
Not in one of these states? Contact Us we may be able to refer you to a trusted independent broker in your state.
Why use an independent broker across states?
🗺 State markets vary dramatically
Florida has 16 marketplace carriers. Hawaii has 5 Medicare MCOs. California has a state mandate and its own subsidy. What works in one state doesn’t work in another we know the differences.
🔄 Life moves across state lines
Relocating to Florida for retirement? Snowbirding between states? Moving to Hawaii? Each triggers a Special Enrollment Period and a completely different plan landscape. We navigate the transition.
💰 Subsidies are state-specific
California has both federal APTC and a state subsidy. Florida’s enhanced federal subsidies expired in 2026. Hawaii has Med-QUEST. The subsidy strategy is different in every state, we can calculate all of them.
Not sure which state’s rules apply to you?
A 15-minute call with Amy clarifies everything — which state’s marketplace to use, what subsidies you qualify for, and which carriers are available in your area.