Hand Insurance Agency
✔ Licensed insurance professional

Protection for every stage of your life

Health, life, Medicare, and property coverage — tailored to your family, your budget, and your goals. No pressure. Just honest guidance from a licensed agent who actually picks up the phone.

★★★★★

"Jason took the time to find me a $0/month plan that covered all my medications. I didn't know that was even possible. He answered every question I had."

JM

Jordan M.

ACA Health Plan client

659+
Clients enrolled
$0
Many clients pay this monthly
4
Lines of coverage
100%
Free consultations

Everything your family needs, in one place

From $0 ACA health plans to life insurance and beyond — find coverage that fits your life, not just your budget.

ACA Health Insurance

Marketplace plans — many qualify for $0/month premiums. Open enrollment and special enrollment periods available.

Medicare

Original Medicare, Supplement, and Advantage plans. We help you find the right fit as you turn 65 or retire.

Life Insurance

Term, whole, and IUL policies that protect your family and can build long-term wealth at the same time.

Property & Casualty

Home, auto, and renters coverage to protect what you've worked hard to build.

Mortgage Protection

Keep your family in their home if the unexpected happens. Affordable coverage tied to your mortgage balance.

Wealth Building

IUL and annuity strategies that grow your money tax-advantaged while keeping your family protected.

Simple. Fast. No pressure.

Getting covered doesn't have to be complicated. Here's how we work together.

Step 01

Tell us a few details

Share basic info about your household, health, and goals. Takes about 5 minutes — no medical exam required for most plans.

Step 02

Compare your options

We search across carriers to find plans that fit your budget and cover your doctors, medications, and family members.

Step 03

Get covered, stay covered

Once enrolled, we don't disappear. You can text or call anytime with questions about billing, doctors, or claims.

An agent who actually shows up

A lot of agents disappear after enrollment. We check in throughout the year and respond when you reach out.

💬 Real communication

Text, call, or email — we respond personally. Your coverage questions don't go to a call center.

💰 Budget-first approach

We find plans that fit your actual budget — including $0/month options for those who qualify.

🛡 Licensed & transparent

License Number: 20336572. We work for you, not for any single carrier. No upselling, no pressure.

🩺 Doctor & Rx matching

Before we recommend a plan, we check whether it covers your specific doctors and medications.

📅 Year-round support

We reach out during open enrollment, follow up after you enroll, and help with mid-year life changes.

👪 Family coverage

We cover whole households — spouses, dependents, and aging parents — all in one place.

Important questions answered

Which insurance plan fits my needs? +
It depends on your household size, income, health situation, and goals. ACA health plans are ideal if you're under 65 and need comprehensive coverage — many qualify for $0/month plans. Medicare is for those 65+ or with certain disabilities. Life insurance fills in income replacement and legacy planning. We help you figure out which combination makes sense for your situation.
Do I need a medical exam to get covered? +
For ACA health plans — no exam required, and you cannot be denied for pre-existing conditions. For life insurance, some policies require a brief health questionnaire, while others may need a medical review depending on the coverage amount and type. We'll let you know exactly what to expect before you start.
How much does a consultation cost? +
Nothing. Consultations are completely free. We're compensated by the insurance carriers when you enroll — you pay only your plan premium, which is the same whether you use an agent or buy direct. Working with us costs you nothing extra.
Can I switch plans if my situation changes? +
Yes. Life events like losing a job, getting married, having a child, or moving trigger special enrollment periods that allow you to change plans outside of open enrollment. We help you navigate those changes quickly so you're never left uninsured.
What if I have pre-existing conditions? +
Under the ACA, health insurance companies cannot deny coverage or charge more because of pre-existing conditions. For Medicare and life insurance, there are typically more options available than people expect — even for those with health challenges. Let's talk through your situation and find what works.

Ready to get covered?

Schedule a free, no-pressure consultation. We'll find the right plan for your family.

Jason Hand · [email protected] · (248) 710-2073 · License #20336572