Premier coverage.Personal guidance.
We compare plans from United Healthcare, Blue Cross Blue Shield, Aetna, Cigna, and more to find the right fit for your life and budget. Always free to you.
Matthew Hosken, Founder & Lead Advisor
Real advisors, no call centers. Your call comes straight to our team.
Get your free quote
Plan options from every major carrier, usually within 24 hours.
Plans from America's leading carriers
Families served
Google review rating
Annual savings for clients
States licensed
Our services
Coverage for every stage of life
For yourself, your family, or your business, we search the whole market for the right plan.
Individual & Family Plans
Comprehensive coverage for individuals and families from top-rated carriers, matched to your doctors, prescriptions, and budget.
Small Business & Group
Group health insurance solutions that help you attract and retain talent, including SHOP plans and HRAs.
ACA Marketplace Plans
Affordable Care Act plans with every subsidy and tax credit you qualify for. Many clients are surprised by how much they save.
Medicare Plans
Medicare Advantage, Medigap, and Part D guidance from dedicated specialists who handle the details for you.
Short-Term Medical
Fast, flexible coverage for gaps between jobs, early retirement, or any life transition. Coverage can start within days.
Dental, Vision & Supplemental
Round out your protection with dental, vision, and critical illness coverage that fits alongside your health plan.
How it works
Great coverage in three simple steps
No jargon and no pressure, just a clear path to the right plan.
Talk with an advisor
A 15-minute call (or quick form) to understand your needs, doctors, prescriptions, and budget.
We compare every plan
Your advisor reviews options from all major carriers in your state, including any subsidies you qualify for.
Enroll with confidence
We handle the paperwork and stay by your side after enrollment with renewals, claims questions, and plan changes.
Savings estimator
See if you could qualify for savings
Answer two questions and we will tell you whether households like yours typically qualify for 2026 marketplace subsidies. It takes ten seconds and nothing is submitted until you say so.
- Based on the official 2026 federal guidelines
- No contact info needed to see your result
- A licensed advisor confirms your exact number, free
Estimates are based on household size and income only. Your exact savings depend on your state, ZIP code, and final plan, so treat this as a starting point rather than a firm quote.
Why Hosken Health
A team of specialists in your corner
Get expert guidance from multiple licensed specialists and access to every available plan. The advice never costs you a dime.
Specialized Expertise
Dedicated specialists for ACA, Medicare, families, and small business, matched to your situation.
The Whole Market
Access to every available plan in your state, from every major carrier. No bias, no single-carrier menu.
Always Free
We're compensated by carriers, never by you. Expert advice at no cost, and often lower premiums too.
Ongoing Advocacy
Someone is always around for claims questions, renewals, and plan changes long after you enroll.
Meet your lead advisor
Matthew Hosken
Founder & Lead Advisor
As our founding advisor and team leader, Matthew specializes in helping individuals, families, and small businesses navigate the complex world of healthcare coverage. Under his leadership, the Hosken Health team has earned the trust of thousands of clients across 31+ states through a simple commitment: the right plan, at the best price, with honest guidance at every step.
Licensed in 31+ states nationwide
Our advisors hold combined licenses across more than 31 states, maintain active continuing education, and are Health & Life and Private Care certified. Contact us to confirm availability in your state. Most likely, we can help.
Success stories
Real savings, real people
A few of the ways our advisors have put money back in clients' pockets.
A $0 deductible and $3,600 back in their pocket
This family was paying $850 a month for a plan with an $8,000 deductible. We moved them to a $0 deductible plan with a $3,000 out-of-pocket max, for $550 a month.
- Monthly premium down from $850 to $550
- Deductible down from $8,000 to $0
- Out-of-pocket max down from $16,000 to $3,000
Better coverage for $200 less every month
Summer's family had coverage that wasn't keeping up. Matt explained everything in plain English and found a plan that costs $200 less per month while covering more than what they had before.
- Premium cut by $200 every month
- Better coverage than their old plan
- Whole switch handled by their advisor
Subsidies he didn't know existed
Victor assumed marketplace coverage was out of reach. His advisor found subsidies he qualified for and a plan with his preferred doctors in network, saving his family thousands.
- Qualified for ACA subsidies and tax credits
- Preferred doctors stayed in network
- Enrollment handled from start to finish
Your story could be next
Find out what you could save. It costs nothing to look.
Client reviews
Trusted by 2,000+ families
Hear from clients who found their perfect coverage with our team's guidance.
"Matt made the entire process so easy and stress-free. He explained everything clearly and found us a plan that saved us $200 per month while providing better coverage than what we had before. Highly recommend!"
Summer Williams
Family of 4, Florida
"As a small business owner, I needed group coverage for my employees. Matt found us an excellent plan with great rates and handled all the paperwork. My team loves their benefits!"
Bruce Hartman
Small Business Owner, Nevada
"I was overwhelmed by all the options on the marketplace. Matt took the time to understand my specific needs and found the perfect plan. His service is truly personalized and professional."
Kayla Lockhart
Individual Plan, Texas
"Matt made the entire process so easy and stress-free. He explained everything clearly and found us a plan that saved us $200 per month while providing better coverage than what we had before. Highly recommend!"
Summer Williams
Family of 4, Florida
"As a small business owner, I needed group coverage for my employees. Matt found us an excellent plan with great rates and handled all the paperwork. My team loves their benefits!"
Bruce Hartman
Small Business Owner, Nevada
"I was overwhelmed by all the options on the marketplace. Matt took the time to understand my specific needs and found the perfect plan. His service is truly personalized and professional."
Kayla Lockhart
Individual Plan, Texas
"Matt's expertise with ACA marketplace plans saved us thousands. He helped us qualify for subsidies we didn't even know existed and found a plan with our preferred doctors in network."
Robert Strayer
Short-term Coverage, Ohio
"What impressed me most was Matt's ongoing support. Even after enrollment, he helped us navigate a claim issue and answered all our questions. True customer service!"
Dominic Lopresti
Family Plan, Nevada
"Professional from start to finish. The team compared every option in my state and walked me through the trade-offs in plain English. I finally understand what I'm paying for."
Victor Soto
ACA Marketplace, Georgia
"Matt's expertise with ACA marketplace plans saved us thousands. He helped us qualify for subsidies we didn't even know existed and found a plan with our preferred doctors in network."
Robert Strayer
Short-term Coverage, Ohio
"What impressed me most was Matt's ongoing support. Even after enrollment, he helped us navigate a claim issue and answered all our questions. True customer service!"
Dominic Lopresti
Family Plan, Nevada
"Professional from start to finish. The team compared every option in my state and walked me through the trade-offs in plain English. I finally understand what I'm paying for."
Victor Soto
ACA Marketplace, Georgia
Book a time
Schedule your free consultation
Pick a time that works for you. Fifteen minutes is usually all it takes to know your options.
A real conversation
Your needs, doctors, prescriptions, and budget. No scripts.
An honest review
If your current plan is your best option, we will tell you.
A personalized shortlist
Plans from every major carrier that actually fit your life.
FAQ
Frequently asked questions
Answers to common questions about our services.
Still have questions?
