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 & Pharmacy Benefit
- Choose your Doctor from All US Licensed Physicians
- Pays $120 for 18 visits per Insured per calendar year, includes 6 chiro. visits — No Deductible or Copay
- Pays $150 for 2 Specialists visits per calendar year
- Generic Drugs $20 per day · Brand Name Drugs $40 per day
Preventative Wellness Care Benefit
- Benefit starts 60 days after policy Effective Date
- Pays $250 for Mammograms per calendar year & $500 for a Colonoscopy
- Pays Additional $250 for other Preventative Services per calendar year
Surgery Benefit
- Pays for Outpatient & Inpatient Surgeries
- Pays Outpatient surgical facility $3,500 under general anesthesia or $1,500 local anesthesia
- Pays Surgeons and Anesthesiologists based on RBRVS code (1x, 2x or 3x)
Hospital Inpatient Benefit
- Hospital per day benefit up to $4,500 for Injury and $3,000 for Sickness
- Hospital ICU benefit up to $4,500 per day for 20 days per calendar year
- Optional First Hospital Admission $6,350 Lump Sum — per calendar yr, 24 hr stay required
Accident & Emergency Benefit
- Pays $300 for Urgent or Emergency Care 2 times per year
- Pays up to $4K of Actual Expenses for up to 45 days from the Accident date
- Ambulance air or ground pays up to $10K of Actual Expenses
- Optional Benefit Pays up to $26K of Actual Expenses
Catastrophic Diagnosis Benefit
- Pays Lump Sum upon diagnosis up to $40K per Adult and $10K per child
- Pays up to $250K Additional of Actual Expenses per calendar year
- Coverage for Internal Cancer, Heart Attack, Stroke, Organ Transplant, Renal Failure
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 9 top national 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 9 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.