Business Details
Affordable Health & Life Insurance Solutions
Founded by Kenneth Wright, The Health Insurance Savant has provided expert insurance guidance for over 30 years. Our mission centers on delivering affordable, comprehensive health and life insurance solutions while upholding values rooted in social justice and personalized care. We specialize in navigating complex insurance markets to find cost-effective plans tailored to individuals, families, and small businesses. Our expertise spans Affordable Care Act compliance, non-Obamacare alternatives, and employee wellness programs that reduce costs while improving health outcomes.With nationwide service capabilities, we maintain direct client relationships without automated systems, ensuring continuous support before and after policy implementation. Our approach combines deep industry knowledge with ethical practices to help clients achieve financial security and healthcare access.
Services
Health Insurance
Life Insurance
Wellness Programs
ACA Plan Assistance
Non-Obamacare Options
Highlights and features
- 30+ years of health insurance industry expertise
- Personalized service with direct client communication
- Nationwide coverage options for individuals and businesses
- Specialized knowledge of ACA compliance and alternatives
- Transparent pricing with no hidden fees
What people say
Expertise and professionalism
Saved money on insurance
Knowledgeable and responsive
Custom solutions for self-employed
Lifesaving coverage assistance
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals, families, and businesses. Our services include evaluating ACA-compliant plans with potential subsidies, identifying cost-effective non-Obamacare alternatives, and explaining network differences. We help clients understand deductibles, co-pays, and coverage limitations while ensuring access to quality healthcare providers nationwide. Our post-sale support assists with policy implementation and ongoing coverage questions.
Life Insurance
Our life insurance offerings protect families and businesses through tailored term and permanent coverage solutions. We help clients evaluate appropriate coverage amounts for final expenses, income replacement, and educational funding needs. We explain policy features, underwriting processes, and premium structures while ensuring long-term affordability. Our service includes policy reviews and adjustments as clients' needs evolve over time.
Wellness Programs
We implement no-cost wellness programs for small businesses that reduce insurance premiums while improving employee health. Our solutions include tax-advantaged WIMPER plans integrated with health insurance, preventive care incentives, and health risk assessments. These programs lower absenteeism, improve productivity, and qualify businesses for tax credits while providing employees with financial benefits through health-related tax rebates.
Small Business Insurance
We specialize in health and life insurance solutions for small businesses with tailored SHOP Marketplace evaluations and non-ACA alternatives. Our services include Small Business Health Care Tax Credit assessments, employee benefit package design, and cost-sharing strategies. We help businesses attract talent through competitive benefits while maintaining affordability through customized plan comparisons and post-purchase support.
Insurance Consultation
Our consultation services evaluate individual and business insurance needs through personalized assessments. We explain plan options, network advantages/disadvantages, and subsidy eligibility while considering clients' medical histories and financial situations. We provide ongoing support for policy changes, claims issues, and coverage adjustments, maintaining direct communication channels without automated systems or 800-numbers.
People
Kenneth Wright
Founder & Insurance Specialist
With over 30 years of healthcare insurance experience, Kenneth Wright specializes in finding affordable coverage solutions for individuals and businesses. He combines technical expertise with personalized service to help clients navigate complex insurance markets while maintaining ethical standards rooted in social justice principles.
Questions
What insurance services do you offer?
We provide health insurance, life insurance, and wellness programs for individuals and small businesses nationwide. Our services include ACA-compliant plans, non-Obamacare alternatives, and tax-advantaged employee benefits solutions.
How do you help small businesses?
We help small businesses evaluate SHOP Marketplace options, qualify for tax credits, implement wellness programs, and select affordable employee health/life insurance plans while providing ongoing support after policy implementation.
What's the difference between ACA and non-Obamacare plans?
ACA plans follow Affordable Care Act regulations with potential subsidies, while non-Obamacare plans offer alternative coverage without subsidies but may better suit specific medical or financial situations through underwritten policies.
Are your services available nationwide?
Yes, we provide insurance solutions across all 50 states with personalized assistance for individuals, families, and businesses regardless of location.
How do wellness programs save money?
Our wellness programs qualify for tax incentives through WIMPER integration, reduce insurance premiums, and provide health-related tax rebates that benefit both employers and employees through preventive care initiatives.
Reviews (6)
Andrew Weltchek
Oct 24, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Kenneth helped us to understand the options for our adult daughter when she had a health emergency and had to move in with us to find treatmentand new insurance. We couldn't have done it without him. We are immensely grateful.
Kenneth helped us to understand the options for our adult daughter when she had a health emergency and had to move in with us to find treatmentand new insurance. We couldn't have done it without him. We are immensely grateful.
Conrad Ruiz
Sep 06, 2021
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Kenneth got back to me within the day of reaching out about health insurance questions for a client of mine. Our resulting call the very next day was supremely insightful. To that, I give Kenneth 5 stars for responsiveness, good quality, and great value. With that, Kenneth not only offered to help me & my client with connecting to the right party (client being in NJ, it wasn't a fit for him) - he also was mindful to share about professional networking groups he was in. In support of that, I find Kenneth to be an unmatched professional through and through. Thank you for our time Kenneth!
Theresa Tarzia
Jun 23, 2021
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Kenneth is exceptional in his field! He provides excellent advice. Kenneth provides a strong platform for achieving your goals.
Toni Chamberlain
Jun 17, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Kenneth is very professional and knowledgeable. You ca count on him to get you placed in just the right plan for you and save you money, too!
Kenneth is very professional and knowledgeable. You ca count on him to get you placed in just the right plan for you and save you money, too!
Boriana Ivanova
Apr 24, 2021
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Positive:Professionalism
I recommend Ken to everyone, who is looking for affordable health insurance. Ken would go above and beyond to find you a plan that fits everyone's budget and make sure you are covered and protected, while saving you time and money. Thank you Ken for all you do.
I recommend Ken to everyone, who is looking for affordable health insurance. Ken would go above and beyond to find you a plan that fits everyone's budget and make sure you are covered and protected, while saving you time and money. Thank you Ken for all you do.
Gary Forsch
Apr 21, 2021
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Positive:Professionalism
Kenneth really knows how to save you money on your health insurance. I recommend everyone get covered. It saved my life. Sooner or later health Insurance will save yours, or give you your best shot at saving yours.
Kenneth really knows how to save you money on your health insurance. I recommend everyone get covered. It saved my life. Sooner or later health Insurance will save yours, or give you your best shot at saving yours.
