Your Health Coverage Should Belong to You
At Coverbrook, we believe your health coverage should belong to you — not to your employer or a government agency. We exist to bridge the gap for the millions of Americans navigating a health insurance landscape that often feels limited to just two costly options.
The Challenge of Choice
For decades, most Americans have obtained coverage in one of two ways: through an employer or via a state-regulated marketplace. While these systems serve many, they often create unintended obstacles for others.
The "Job Lock" Effect
One in six Americans remains in a job they dislike primarily to avoid losing their health insurance. Your coverage should never hold your career hostage.
The Family Penalty
Employer-sponsored plans can become prohibitively expensive when adding a spouse or children, forcing families into difficult trade-offs between coverage and cost.
The Middle-Class Gap
Many self-employed individuals and small business employees find that marketplace plans offer high deductibles and limited provider networks that don’t fit their budget or lifestyle.
A Third Way: The Free Market
Most people are unaware that a “third way” exists. Coverbrook specializes in free-market health insurance solutions from top-tier providers like Allstate and UnitedHealthcare.
Unlike traditional group plans, these policies bind to the individual — staying with you even if you change jobs, start a business, or transition into retirement. By focusing on those who are healthy and self-reliant, these plans can offer more comprehensive coverage and broader provider networks at a significantly lower monthly cost.
Individual-Bound vs. Employer-Bound
See how free-market individual plans compare to traditional employer-sponsored coverage.
Our Commitment to You
Our mission is both professional and social. We are committed to two primary goals.
Education
We pull back the curtain on the insurance industry to show you the options that traditional brokerages often overlook.
Streamlining
We are replacing the laborious, outdated insurance applications of the past with a modern, digital platform that respects your time.
Coverbrook is here to help you reduce your dependence on traditional structures and gain the freedom to pursue the career and life you want — without ever compromising on the quality of your family's care.
Ready to explore the third way?
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