4.8 of 5 (83 reviews)
Excellent
Just Left Your Job? We've Got Your Back.
SAY GOODBYE
TO
EXPENSIVE
COBRA
AND
SAVE
30%-60%
WITH
Private
insurance
"Elite Health Financial was a great resource during a difficult time for my family. I was paying for COBRA coverage through my previous employer. Jack listened to our family’s unique situation and crafted a policy that worked for us. He was able to save us over $1000 per month in premiums. He and his team were responsive and easy to work with. Highly recommend."
Marc Ayala
President at Second in Command Consulting
Olevido, FL
"I loved the ease in getting through the process and explanation of benefits and getting a policy in place for my transition period that gives me peace of mind that I will have great coverage if needed."
Joel McVey
Senior Excellence Manager at Graphic Packaging International, LLC
West Monroe, LA
"Thanks for working so diligently with us on all of this. You made the process quick, easy, and made sure we didn’t miss the enrollment deadlines even though we were on vacation."
Peter & Elizabeth Follett
Industrial Lumber Sales at Progressive Services Corp
Alpharetta, GA
Welcome to Elite Health Financial
We help healthy individuals and families unlock smarter, lower-cost insurance (without the usual headaches). Stop overpaying for plans that weren’t built for you.
Still Stuck on COBRA? You Deserve Something Better.
COBRA was only meant to be a temporary solution — but for too many people, it becomes an overpriced trap.
If you’re spending $600… $900… even $1,200 a month just to stay covered, it’s time to rethink your options.
Elite Health Financial helps people leave COBRA without sacrificing quality coverage. In most cases, we’re able to cut costs by 30–50% while keeping (or improving) your benefits.
Same (or better) coverage
Dramatically lower monthly premiums
Simple, pressure-free switch
SOUND LIKE A FIT?
Let's Start by Connecting
"I will definitely let a couple of people know how you helped us out. Thanks Jack!"
Curtis & Melanie Turner
Owners - 3 Dips Icecream
Miamiasburg, OH
"Thanks a lot, Jack, I really appreciate your help with all of this and wish we’d gotten together a lot sooner!"
Terrance Agnew
Security Guard
Hyattsville, MD
"Thanks for helping us again with our coverage Jack!"
Justin Palacio
Pizza Parlor Owner
Lake Villa, IL
How We're Able to Save You So Much
Most people are stuck overpaying because they're lumped into the wrong risk pool.
We flip the script by separating out healthier, families & individuals and placing them in a better-positioned group.
The Elite Health Approach™
The dated approach
Our improved approach
Instead of:
Sharing risk with people who rack up constant claims
Paying inflated premiums to subsidise others’ poor health
Settling for bloated, one-size-fits-all marketplace plans
We're able to:
Group healthier individuals into high-performing pools
Offer tailored coverage that fits your life and income
Deliver nationwide PPO plans with major savings
You'll Save A Fortune
by escaping expensive small group / aca plans
Much better price that what you're are currently spending
Far lower deductibles for you and for your family
Lower maximum on out of pocket expenses
Get Better Renewal Terms
Guaranteed until you are 65
Your prices aren't going to skyrocket year after year
Never have to worry about being kicked off of your plan
Worrying about renewals will become a thing of the past
Access the Largest PPO Network
Without the usual waiting & headaches
No need for referrals and long waiting times
You'll be treated like a VIP by doctors and professionals
Remain in-network in all 50 states
"After our first call, my schedule got a little crazy but I appreciate you keeping in touch because I needed the coverage."
Kendall Nelson
Truck Driver
Decatur, GA
"Thanks for your patience with all of this Jack! Sometimes I need a kick in the ass to get things done so thanks for not letting me slip through the cracks."
Kelly Mitchell
Franchise Owner at Winzer Corporation
Vidor, TX
"Jack at Elite Health is an awesome insurance agent! Very easy to deal with and always answers questions in a timely manner. Was able to save us about $1000 per year, cut our deductible in half, with better overall coverage."
Paul Hickman
Owner Performance Masters LLC
Chatanooga, TN
Meet Jack, Our Principal Advisor:
Helping Americans Escape COBRA for Good
Jack Beeker has helped hundreds of people ditch COBRA and find smarter, lower-cost coverage without sacrificing quality or peace of mind. He specialises in navigating the complex world of post-employment insurance, helping clients move from overpriced plans to tailored solutions that actually make sense.
With over $10M+ in annual premium written, Jack and the Elite Health Financial team hold exclusive certifications with top carriers, unlocking access to plans most agents can’t offer.
Our Clients Typically Save With:
-
Underwritten plans that slash monthly costs
-
Nationwide PPOs with real flexibility
-
Plans designed specifically for COBRA replacements, not employer leftovers
We help people leave overpriced, outdated coverage behind.
If you’re reasonably healthy, there’s a strong chance we can find you a better plan fast.
Elite Health Financial is licensed by the Department of Insurance in the following states: AL, AR, AZ, CO, DE, FL, GA, ID, IL, IN, KS, KY, LA, MD, MI, MO, MS, MT, NC, ND, NE, NV, OH, OK, SC, SD, TN, TX, UT, VA, WI, WV, WY
SOUND LIKE A FIT?
Let's Start by Connecting
We Make it So Simple for You
🤔
Step 1: Discovery
Quick 15 min discovery call to see whether or not we are able to help
💡
Step 2: Bespoke Planning
Due diligence process, comparing and tailoring coverage options
🔑
Step 3: Options Presentation
Presentation of options best suited to your exact situation, needs and budget
We've Done This For Hundreds of
People Just Like You
Hardworking Dad Saves $908/mo Without Sacrificing Coverage
$1,400
monthly premium and high out of pocket expenses
From
$492
including dental, vision, lower deductible, and PPO access
To
Terrance, a single father working two demanding jobs, was stuck paying $1,400/month for a high-deductible plan for him and his son. After reviewing his health profile, we moved him into a private group plan designed for healthy families - slashing his costs while upgrading his coverage.
From overpriced employer sponsored plan to a stable private group option
Included dental & vision at no extra cost
Gained nationwide PPO access with a $2,500 deductible and minimal out-of-pocket
"Thanks a lot, Jack, I really appreciate your help with all of this and wish we’d gotten together a lot sooner! "
Terrance A, Maryland
Security Guard + Amazon Delivery Driver
Father-Daughter Duo Saved $872/mo With Coast-to-Coast Coverage
$1,700
COBRA with limited out-of-state emergency-only coverage
From
$828
including nationwide PPO and $0–$500 emergency costs
To
Joel, a father relocating to Louisiana, needed temporary coverage for himself and his daughter in Texas. COBRA was too expensive and too restrictive. We placed them in a flexible private plan with nationwide coverage, no contracts, and better protection at less than half the price.
Switched from overpriced cobra plan to a stable private group option
Gained full nationwide PPO coverage across multiple states
No long-term contracts, cancellation fees, or renewal risk until age 65
“I loved the ease in getting through the process and explanation of benefits and getting a policy in place for my transition period that gives me peace of mind that I will have great coverage if needed.”
Joel M, Arkansas / Louisiana / Texas
Success Strategy Manager, Paper Mill
Truck Driver Gets Nationwide Coverage for $133 Less Per Month
$423
for high-deductible marketplace plan with no benefits until $9,000 spent
From
$290
including vision, nationwide PPO, and tax-deductible premiums
To
Kendall, a self-employed trucker, couldn’t risk being uninsured while crossing state lines. Marketplace plans were overpriced and unhelpful. We built him a custom private plan with full nationwide coverage, no referrals needed, and nearly zero out-of-pocket risk.
Cut monthly premium by $133 with stronger protection
Gained nationwide access with no referrals or networks to manage
Premium fully tax-deductible as a 1099 contractor
"After our first call, my schedule got a little crazy but I appreciate you keeping in touch because I needed the coverage."
Kendall Nelson, Georgia
Truck Driver / Self-Employed Transport Contractor
Do you qualify for these savings?
Before scheduling a call, here's what makes someone a great candidate for Elite Health Financial plans. If you see yourself in a few of these, there’s a strong chance we can help.
Great Fit:
You’re self-employed, on COBRA, or between jobs
You cross state lines or move often
You’re in good health and want strong coverage without overpaying
You’ve been frustrated by marketplace plans or employer options
You want nationwide PPO access, stable rates, and real protection
Not a Good Fit
Individuals currently on Medicaid or needing full-subsidy marketplace plans
People with serious or unmanaged health conditions seeking first-dollar coverage
Anyone unwilling to review alternative options or speak openly about health needs
Individuals who prefer to manage everything 100% online without guidance
Become Our Next Success Story
Your Future Self Will Thank You
Entrepreneur Protects Family & Business With Smarter Cover
$800
to join spouse’s plan with no added life insurance
From
$777
including dental, vision, life insurance, and tax benefits
To
Kelly was launching his own company and needed coverage that protected both his health and his family’s future. Rather than overpay to join his wife’s plan, we built him a bundled private policy with full PPO access, over $100k in life insurance, and lowered out-of-pocket expenses across the board.
Saved money while bundling medical, dental, vision & life insurance
Gained $100K+ in life insurance coverage and full PPO access for frequent travel
100% tax-deductible with guaranteed renewability to age 65
"Thanks for your patience with all of this Jack! Sometimes I need a kick in the ass to get things done so thanks for not letting me slip through the cracks.”
Kelly M., Texas
Franchise Owner – Equipment & Manufacturing Wholesaler
Caretaker Gets Covered & Protected Income for Less Than Marketplace
$325
state plan with high deductible and no income protection
From
$302
with PPO network, emergency protection, and income replacement
To
Angelica earned too much for subsidies and too little benefit from state plans. We designed a private policy that saved her money, added income protection, and gave her real security if she ever couldn’t work due to illness or injury.
Lower premium with stronger upfront benefits
Included income replacement and emergency protection
Nationwide PPO access and stable pricing to age 65
“Thank you so much Jack! I will definitely be sharing your information with my co-workers.”
Angelica H, Illinois
Nursing Home Caretaker
Young Family Saves $500+ Monthly While Planning Baby #2
$1,230
state plan for lower deductible and no flexibility on relocation
From
$468
including dental, vision, PPO access, and future maternity options
To
Ashok, his wife, and their newborn needed affordable, reliable coverage during a time of major life change. We secured a private plan with better protection and flexibility for their upcoming move, plus future options for growing their family.
Saved over $500/month versus marketplace options
Included dental, vision, and nationwide PPO
Future maternity plan identified for next stage of family growth
"You’ve been very helpful throughout this whole process. Thank you again, Jack."
Ashok S, Maryland & North Carolina
Tech Professional, Married with 1 Child
Ice Cream Shop Owner Cuts Family Premium By Over $11,000 per Year
$2,100
COBRA with limited term and no income protection
From
$1,161
including dental, vision, and life insurance with nationwide PPO coverage
To
Curtis left his corporate job to run his late friend’s ice cream shop full-time. State and COBRA options were outrageously priced. We built a plan that gave his family long-term protection, massive savings, and security if anything happened to him.
Saved $1,500–$2,000/month vs state and COBRA options
Gained dental, vision, income protection, and life insurance coverage
100% tax-deductible premium with guaranteed renewability
"I will definitely let a couple of people know how you helped us out. Thanks Jack!"
Curtis T, Miamisburg, Ohio
Owner, 3 Dips Ice Cream Shoppe
Custom Plan Saves Family Over $1,000/Month Without Sacrificing Care
$3,094
marketplace plan for entire family with no flexibility
From
$995
for wife and son + $971 for Peter (same doctors, same benefits)
To
Peter needed coverage for a pre-existing condition, but his healthy wife and son didn’t. We split their coverage strategically, securing affordable group rates for his family while keeping his preferred doctors. The result: over $1,000/month saved with no compromises.
Replaced $3,000+/mo family plan with a two-policy approach
Maintained full PPO coverage and doctor access
Completed enrolment while family was on vacation
"Thanks for working so diligently with us on all of this. You made the process quick, easy, and made sure we didn’t miss the enrollment deadlines even though we were on vacation."
Peter & Elizabeth F, Georgia
Family of Three – Tailored Coverage Strategy
Pizza Shop Owner Gets Predictable Coverage After Costly Marketplace Mistake
$900–$2,000
marketplace plan with hidden subsidy tax risk
From
$702
including PPO, dental, and stable pricing
To
Justin had left his private plan chasing cheaper premiums—only to get hit with a huge tax bill. We brought his family back under private coverage, saving them money while locking in predictable costs, better benefits, and tax-deductible peace of mind.
Saved $200–$1,500/month vs marketplace alternatives
Avoided surprise tax liability with fixed-rate private plan
Maintained current doctors and added dental coverage
"Thanks for helping us again with our coverage Jack!"
Justin P, Illinois
Pizza Parlor Owner – Family of Three