Frank Smith Insurance Advisor

Getting kicked by a cow hurts…
But not as bad as realizing your health insurance doesn’t cover what you thought it did.

Stop taking hits because you “auto-renewed.”
Let’s review your coverage before it reviews your bank account. 💳

Healthy. Self-employed. Overpaying?
We need to talk.

— Frank the Health Advisor

Making big decisions without reviewing the details can feel like a leap.

Renewing your health insurance without exploring your options can be just as risky.

If you’re healthy, there may be more cost-effective plans available to you.

Let’s take a smarter approach this year.

– Frank

Stop throwing your money in the trash every month. 🗑️

If your health insurance doesn’t fit your lifestyle, income, or risk level — you’re overpaying.

Waiting won’t fix it.
Auto-renewing won’t fix it.
Complaining about premiums won’t fix it.

Review your coverage. Adjust it. Secure something that actually makes sense.

DM me “REVIEW” and let’s clean it up.

Health insurance doesn’t have to be confusing — but you NEED to know these 3 terms:

• Network – The doctors & hospitals your plan contracts with. Go out of network = pay more.
• Deductible – What YOU pay before insurance starts sharing the bill.
• Out-of-Pocket Maximum – Your financial safety net. Once you hit it, insurance covers 100% of covered services.

If you don’t understand these, you’re guessing with your money.
And guessing gets expensive.

DM me “REVIEW” if you want to make sure your plan actually makes sense.

— Frank

You don’t smoke.
You don’t have major health issues.
You go to the gym.

So why are you paying the SAME rates as someone with 5 prescriptions and chronic conditions?

The Marketplace doesn’t reward healthy people.
Private plans do.

If you’re self-employed and healthy, there’s a strong chance you’re overpaying — simply because no one showed you better options.

Stop taking on everyone else’s risk.

DM me “QUOTE” and let’s fix it.
— Frank

If your health insurance just auto-renewed…

Did you even check the new rate?

Most people don’t.
And that’s exactly why they overpay every single year.

Carriers quietly increase premiums.
Benefits change.
Networks shift.

But people stay on autopilot.

If your plan renewed recently, send me your monthly premium.
I’ll tell you in 2 minutes if you’re overpaying.

— Frank