Erin Paumen Health Insurance Advisor

𝐘𝐞𝐬 — 𝐲𝐨𝐮 𝐚𝐛𝐬𝐨𝐥𝐮𝐭𝐞𝐥𝐲 𝐜𝐚𝐧 𝐬𝐭𝐢𝐥𝐥 𝐠𝐞𝐭 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞, 𝐚𝐧𝐝 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐦𝐨𝐫𝐞 𝐨𝐩𝐭𝐢𝐨𝐧𝐬 𝐭𝐡𝐚𝐧 𝐲𝐨𝐮 𝐦𝐢𝐠𝐡𝐭 𝐭𝐡𝐢𝐧𝐤! 👇

If your employer doesn't offer health insurance (or what they offer just isn't affordable), you don't have to go without.

There are more options available than most people realize, and finding the right coverage might be easier than you think.

Curious what’s out there? Let’s talk. 👇

📲 DM me or drop a comment below.

I just spoke with a teacher who is being charged almost $900 more a month just by adding her husband to her insurance through the school district.

I am able to save her over $600 a month. That is $7,200 a year. What could you do with an extra $7,200?

If you think you might be overpaying for health insurance please PM me or comment below.

Send a message to learn more

Most people don’t realize how confusing their health insurance is until they actually try to use it.

High deductibles
Limited networks
Surprise bills

If your current plan feels harder to understand than this image… it might be time for a quick review.

Sometimes a small change can make a big difference.

Curious what your options look like?

I'm here to help you make the best decision for your family!

𝘛𝘦𝘢𝘤𝘩𝘦𝘳𝘴 ...𝘐𝘵’𝘴 𝘺𝘰𝘶𝘳 𝘥𝘢𝘺 𝘵𝘰 𝘴𝘩𝘪𝘯𝘦! 𝘈𝘯𝘥 𝘰𝘶𝘳 𝘥𝘢𝘺 𝘵𝘰 𝘴𝘢𝘺, “𝙏𝙝𝙖𝙣𝙠 𝙮𝙤𝙪!” 𝘐𝘵 𝘪𝘴 𝘪𝘮𝘱𝘰𝘴𝘴𝘪𝘣𝘭𝘦 𝘵𝘰 𝘱𝘶𝘵 𝘢 𝘱𝘳𝘪𝘤𝘦 𝘵𝘢𝘨 𝘰𝘯 𝘵𝘩𝘦 𝘬𝘪𝘯𝘥 𝘰𝘧 𝘦𝘥𝘶𝘤𝘢𝘵𝘪𝘰𝘯 𝘰𝘶𝘳 𝘤𝘩𝘪𝘭𝘥𝘳𝘦𝘯 𝘳𝘦𝘤𝘦𝘪𝘷𝘦 𝘣𝘦𝘤𝘢𝘶𝘴𝘦 𝘢𝘴 𝘢 𝘵𝘦𝘢𝘤𝘩𝘦𝘳, 𝘺𝘰𝘶𝘳 𝘨𝘶𝘪𝘥𝘢𝘯𝘤𝘦 𝘪𝘴 𝘵𝘳𝘶𝘭𝘺 𝘱𝘳𝘪𝘤𝘦𝘭𝘦𝘴𝘴.

𝙄𝙛 𝙩𝙝𝙚 𝙥𝙧𝙞𝙘𝙚 𝙩𝙖𝙜 𝙤𝙛 𝙮𝙤𝙪𝙧 𝙝𝙚𝙖𝙡𝙩𝙝 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙞𝙨 𝙘𝙖𝙪𝙨𝙞𝙣𝙜 𝙖 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙨𝙩𝙧𝙖𝙞𝙣, 𝙄 𝙬𝙤𝙪𝙡𝙙 𝙗𝙚 𝙝𝙤𝙣𝙤𝙧𝙚𝙙 𝙩𝙤 𝙜𝙪𝙞𝙙𝙚 𝙮𝙤𝙪 𝙩𝙝𝙧𝙤𝙪𝙜𝙝 𝙤𝙥𝙩𝙞𝙤𝙣𝙨 𝙩𝙝𝙖𝙩 𝙢𝙖𝙮 𝙝𝙚𝙡𝙥 𝙮𝙤𝙪 𝙨𝙖𝙫𝙚 𝙤𝙣 𝙮𝙤𝙪𝙧 𝙢𝙤𝙣𝙩𝙝𝙡𝙮 𝙥𝙧𝙚𝙢𝙞𝙪𝙢𝙨 𝙚𝙨𝙥𝙚𝙘𝙞𝙖𝙡𝙡𝙮 𝙬𝙝𝙚𝙣 𝙞𝙩 𝙘𝙤𝙢𝙚𝙨 𝙩𝙤 𝙖𝙙𝙙𝙞𝙣𝙜 𝙮𝙤𝙪𝙧 𝙨𝙥𝙤𝙪𝙨𝙚 𝙖𝙣𝙙 𝙘𝙝𝙞𝙡𝙙𝙧𝙚𝙣 𝙩𝙤 𝙮𝙤𝙪𝙧 𝙚𝙭𝙞𝙨𝙩𝙞𝙣𝙜 𝙥𝙡𝙖𝙣.

🍎🍎🍎𝙄𝙛 𝙮𝙤𝙪 𝙖𝙧𝙚 𝙖 𝙩𝙚𝙖𝙘𝙝𝙚𝙧 𝙤𝙧 𝙠𝙣𝙤𝙬 𝙖 𝙩𝙚𝙖𝙘𝙝𝙚𝙧 𝙥𝙡𝙚𝙖𝙨𝙚 𝙨𝙝𝙖𝙧𝙚 𝙩𝙝𝙞𝙨 𝙥𝙤𝙨𝙩 𝙨𝙤 𝙄 𝙘𝙖𝙣 𝙝𝙚𝙡𝙥!

This week I’m helping husband and wife business owners who were paying $2,600/month for their health plan… just for the two of them.

We were able to move them to a plan with similar coverage and save them $1500/month. (Um that is 18k a year 🤯🤯🤯🤯)

Even better… they locked in their rate for the next 24 months, so no stressing about a big increase next year.

If you’re a business owner paying full price for health insurance, would it be worth a quick look to see if something better exists?

I agree!

Are you searching the ACA/ Marketplace and finding you no longer qualify for a subsidy?

Finding that your doctors do not take the HMO‘s available?

I have great news! I can help! There are other options that can save you 20 to 30% AND give you a nationwide PPO Where you are able to see any doctor at any hospital!

Most people think they have to wait until open enrollment to find the best rates for health insurance. That could not be farther from the truth!

Discover how locking in your rates and deductibles NOW can secure your future health coverage and protect you from rising healthcare costs.

✨Meet A Member Monday✨

Erin Paumen

What do you do and who do you help?
I help individuals, families, and small business owners find health insurance that actually fits their life. Most of my clients are generally healthy and want coverage that protects them from major, unexpected medical events without overpaying for benefits they’ll likely never use. Many are also higher-income earners who don’t qualify for ACA subsidies and feel frustrated by high premiums, limited networks, or confusing plan choices. I focus on options that provide real protection, nationwide PPO access, and flexibility.

What inspired you to start your
business or choose your industry?
I got into health insurance after personally losing coverage during major life changes and realizing how overwhelming and confusing the process can be when you’re on your own. I experienced being laid off, facing unaffordable COBRA options, and working for a small business where the insurance premium cost more than my mortgage. Seeing firsthand how one wrong plan choice can create serious financial stress, I knew I wanted to be the person who helps others avoid that situation and feel confident in coverage that truly fits their life.

What is a question clients should ask before choosing someone in your field?
“Does this plan have a true maximum out-of-pocket, or does it cap benefits?”
Many people don’t realize there’s a big difference between plans that limit what you pay and plans that limit what the insurance pays. A true maximum out-of-pocket creates a financial safety net by legally capping your exposure in a worst-case scenario. Once you hit that limit, covered medical expenses are paid at 100%. That predictability and protection is critical, especially during unexpected health events. Clients should work with someone who understands this difference and prioritizes long-term financial protection, not just the monthly premium.

What sets your business apart from everyone else?
I do the shopping, comparing, and explaining so my clients don’t have to. I look beyond at the marketplace and beyond to customize coverage based on how someone actually uses insurance, focusing on protection from large medical bills without overpaying for things they don’t need. Having personally navigated major life and career changes that impacted my own coverage, I understand how overwhelming these decisions can be. My goal is to build long-term relationships and be a trusted resource.