Howard VanBooven
Hi, I'm Howard — your licensed insurance advisor

Health insurance, without the headache.

A real human guiding you through ACA plans, private coverage, and supplemental options. No call centers, no robo-quotes, no surprise gotchas — just clear advice from someone who's licensed in your state and answers your calls.

Howard VanBooven, licensed insurance advisor
Licensed Advisor
My promise to you
"You'll always speak to me — never a 1-800 maze."
Licensed insurance advisor
Available across multiple states
No fee for my services
Independent & multi-carrier
Coverage that fits

Find the path that fits your life.

Not every family fits the marketplace mold. Whether you qualify for subsidies, earn too much for them, or just need temporary coverage — there's a real plan out there for you. Let me show you what's available.

For most families

ACA Marketplace Plans

The familiar healthcare.gov-style plans with subsidies for families that qualify based on income. Comprehensive coverage with the protection of essential health benefits.

  • Premium tax credits for many families
  • Cost-sharing reductions on Silver plans
  • All essential health benefits covered
  • Open enrollment + qualifying life events
See if I qualify for subsidies →
Bridges & gaps

Short-Term & Supplemental

Between jobs? Aged off a parent's plan? Waiting for ACA enrollment? Or looking to layer extra protection? Short-term medical and supplemental policies fill the gaps that major medical leaves behind.

  • Short-term medical (3–12 months typical)
  • Accident & critical illness policies
  • Hospital indemnity coverage
  • Dental & vision add-ons
Find the right add-on →
⚡ A specialty most agents don't talk about

Earning over 400% FPL? You haven't been priced out — you've been overlooked.

If your household earns above ~$60,240 (single) or ~$124,800 (family of four), you no longer qualify for ACA subsidies. Most agents either push you into a full-price marketplace plan or shrug and walk away.

I do something different. There's a whole world of off-marketplace and private health insurance designed specifically for healthy individuals and families in your income bracket — often at half the cost of an unsubsidized ACA plan, with comparable or better coverage.

Show me my options
Often half the cost

of full-price ACA plans for healthy applicants

Comprehensive coverage

major medical, prescriptions, hospital, urgent care

Real human guidance

not a healthcare.gov maze or anonymous call center

How it works

Three steps. That's it.

Getting honest health insurance guidance shouldn't take three weeks and seventeen forms. Here's the whole process — from "I need help" to "I'm covered."

01

Tell me about you

A short form (or a quick phone call) — household size, ages, rough income, any specific concerns. No commitment, no pressure.

02

I shop & explain

I run real numbers across ACA, off-marketplace, and supplemental options for your situation, then I sit down with you and explain trade-offs in plain English.

03

You're covered

You pick what fits. I handle enrollment, paperwork, and any questions that come up later — claims, billing, ID cards, the whole deal. Year-round, not just at signup.

Howard VanBooven, licensed insurance advisor
About Howard

I'm a real person — not a quote engine.

Health insurance shouldn't feel like decoding a foreign language while sitting on hold for forty minutes.

I started this because I watched too many friends and family members get stuck with bad coverage — either because they didn't qualify for subsidies and gave up, or because they got pushed into the wrong plan by an agent chasing a quota. There's a better way.

I work for you, not a single carrier. I get paid by the carrier when you enroll, so my service costs you nothing. I'll shop the whole market, explain the trade-offs honestly, and stick around all year — for renewals, claims questions, life changes, whatever. You'll have my direct line.

Licensed Insurance Advisor
636-497-2680
Direct line
Common questions

Things people ask me all the time.

Correct. I'm compensated by insurance carriers when clients enroll, so my time is free to you whether or not you end up signing up. There's no consultation fee, hidden cost, or upcharge. If we chat for an hour and you decide nothing fits, you owe me nothing.
Definitely not. This is one of my specialties. There are off-marketplace and private health insurance plans designed specifically for healthy individuals and families above 400% FPL, often at significantly lower cost than an unsubsidized ACA plan. We'll talk through what fits.
For ACA marketplace plans, yes — open enrollment is roughly November through mid-January, with limited Special Enrollment Periods (SEPs) triggered by life events like marriage, baby, job loss, or moving. But many off-marketplace plans, short-term policies, and supplemental products can be enrolled in any time of year. Don't assume you've missed your window — let me check.
ACA marketplace plans are sold on healthcare.gov (or your state exchange), follow strict ACA rules including all essential health benefits, and are the only plans that allow income-based subsidies. Off-marketplace plans are sold directly through carriers — they may offer different network designs, premiums, and benefit structures, and pricing can be more flexible if you don't qualify for subsidies anyway. Each has trade-offs; I can show you the math for your situation.
No — and it's important to understand the difference. Short-term medical is meant to bridge gaps (between jobs, after aging off a parent's plan, etc.). They're typically less expensive but often don't cover pre-existing conditions, may have benefit caps, and aren't ACA-compliant. They're a useful tool for the right situation, but I'll always be straightforward about the trade-offs before recommending one.
I'm licensed in multiple states and continue to add states as my client base grows. Just reach out and tell me where you live — if I'm not currently licensed there, I'll either get licensed (if there's enough need) or refer you to a trusted advisor who is. Either way, you won't get a runaround.
Get a free quote

Tell me about your situation — I'll find real options.

Share a few quick details and I'll personally respond within one business day with a tailored set of options. No spam, no shared lead lists, no high-pressure sales calls. Just real numbers and real plans.

636-497-2680 [email protected]
Licensed in multiple states — ask about yours

Thanks — I'll be in touch.

I'll personally follow up within one business day. In the meantime, feel free to call me direct at 636-497-2680.

Howard
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