Coverage that grows with you and your family
Finding health insurance should not feel overwhelming. We help compare plan options, explain the details in plain English, and guide you toward coverage that fits your doctors, prescriptions, and budget.
- Personalized Guidance
- Multiple Plan Options
- No-Obligation Consultation
- Individual Plans
- Family Coverage
- Marketplace Options
- Short-Term Coverage
- Dental & Vision
- Medicare Guidance
Defined Benefits Health Plan Features
- Lifetime Policy Maximum $5 Million
- Guaranteed Renewal to Age 65
- Three Calendar year Maximums: $250K, $500K, $1 Million
- Flexible Hospital Inpatient Deductibles to match budget: $0 – $10K
- Multiple Benefit Levels to Choose from: Value, Preferred, Premier
- Annual Premium Increases 3% or less last 6 years
- Unique Zero Deductible, Copay, Coinsurance on all Outpatient Benefits
- Available for Individuals and Groups
Consumer Driven Health Plan Benefits
Benefits featured are based on 2 units of HSP Gold and are available with select plans.
Doctor Visits
- Go to the licensed PCP or specialist of your choice
- Powerful national PPO network
- No deductible
- No copays
- No coinsurance
- Low- to no-cost generic prescriptions
- Pays toward name-brand prescriptions
Preventive Care
- Benefits start 60 days after the policy effective date
- Pays toward an annual mammogram
- Pays toward a preventive colonoscopy
- Pays toward annual visits, Pap smears, and PSA screenings
- Optional coverage can be added to cover 100% of preventive care
Surgery Benefits
- Pays toward outpatient and inpatient surgeries, including:
- Facility
- Surgeon
- Assistant surgeon
- Anesthesiologist
- Pays toward postoperative therapies when required
- Concierge service is available to pre-price non-emergency procedures and surgeries
Hospital Benefits
- Pays the highest applicable daily defined benefit for:
- Sickness
- Injury
- ICU care
- Observation stays
- Pays an admission benefit of up to $3,000
Accident & Emergency Benefits
- Pays toward urgent care visits
- Pays up to $4,000 toward covered accident expenses, with up to a $1,000,000 lifetime benefit
- Air or ground ambulance benefits pay up to $10,000
- Optional benefit pays up to an additional $500,000 for a catastrophic accident
Catastrophic Illness Benefits
- Pays up to a $50,000 lump sum upon diagnosis of a covered critical illness, such as heart attack, stroke, or cancer, in addition to the main policy
- Pays up to an additional $500,000 for covered diagnoses, including organ transplant, renal failure, ALS, and other listed conditions
Health Insurance Options
Explore coverage options designed for different healthcare needs, eligibility requirements, and budgets.
Major Medical
- Maternity coverage
- 100% preventive and wellness care
- Multiple plan options, including:
- EPO
- PPO
- HSA-compatible plans
- Multiple provider networks, including:
- Blue Cross Blue Shield
- Aetna
- PHCS
- First Health
- Deductible options ranging from $1,500 to $8,300
- Available for individuals and groups
Guaranteed Insurable
- Enrollment available throughout the year
- No pre-existing condition restrictions
- Applicants may enroll while pregnant
- Lower copay options
- Lower coinsurance options, including 80/20
- National provider network
- Maternity coverage
- 100% preventive and wellness care
We help during life's biggest coverage changes
Most clients come to us at a turning point. Here are the moments we walk people through most often.
Turning 26
Aging off a parent's plan. We'll find your first solo coverage.
Recently Married
Combine, switch, or keep separate plans — we'll model the trade-offs.
Growing Your Family
Add a new dependent or move to a family plan with confidence.
Between Jobs
Compare COBRA vs. a Marketplace plan vs. short-term coverage.
Self-Employed
Subsidies, off-Marketplace, and Health Matching Accounts compared.
Retiring Early
Bridge to Medicare with the right plan for these in-between years.
How Kincaid Solutions helps you choose with confidence
Tell us about your needs
Doctors, prescriptions, household, budget — the details that matter.
We compare available options
Across multiple trusted insurance carriers, both on and off the Marketplace.
We explain the details clearly
Plain-English breakdowns of deductibles, networks, and total cost.
You choose with confidence
No pressure. The plan you pick is the one that fits.
Shopping alone vs. working with Kincaid Solutions
A side-by-side look at the practical difference an independent agent makes.
Shopping alone
With Kincaid Solutions
Shopping alone
With Kincaid Solutions
Shopping alone
With Kincaid Solutions
Shopping alone
With Kincaid Solutions
Shopping alone
With Kincaid Solutions
Shopping alone
With Kincaid Solutions
Health plans we shop for you
We compare networks, drug formularies, and total cost across these trusted carriers — and more.
- New Era
- UnitedHealthcare
- Nationwide
- Allstate
- Medical Mutual
- Philadelphia American
- Cigna
- Aetna
- Pacific Life
And many more — we shop the market to find the right fit for you.
Insurance As It Should Be
Health insurance can be confusing. Kincaid Solutions was built to make the process more human, honest, and supportive. We take time to answer questions, explain options, and help families make informed decisions without pressure.
Quick answers to common health insurance questions
Still curious? Reach out — we'll get back to you within one business day.
Ready to find the right health plan?
Whether you are shopping for your first plan, changing coverage, or looking for better options, we are here to guide you.