About us
Advocates for an Underserved Market
Insurance Marketing Group Inc. is an independent agency built around the people the marketplace forgot — small business owners and the self-employed who earn too much to qualify for a subsidy.
Our mission
Helping People Protect What They've Built
We are in the business of helping people. We help consumers save money, and we help families protect and preserve their financial future. That work started with a simple observation: the households who most often get left without good options are the ones who did everything right.
If you built a business, went out on your own, or grew your income past the subsidy cliff, the government marketplace stops helping you and starts charging you full price. A family of four just over the threshold can face premiums that rival a mortgage payment — for a plan with a narrow network and a five-figure deductible.
That is the specific problem we set out to solve. We focus on small businesses and the self-employed because that is where the gap is widest, the products are least understood, and good guidance changes the most.
Our expertise
Options You Won't Find on the Marketplace
Being independent means we are not tied to one carrier or one product shelf.
We cater to the small business and self-employed who make too much money to qualify for a tax credit through government marketplace coverage. For those that qualify, we can design and tailor health coverage to fit your needs and budget. Medically underwritten plans price your premium on your own health profile rather than a community-rated pool — which regularly produces meaningfully lower costs for healthy households than an unsubsidized marketplace plan.
We also understand these plans are not right for everyone, and we say so. Underwriting involves health questions, and some conditions are better served elsewhere. Where an underwritten plan isn't the answer, we look at the alternatives honestly, including layering accident, critical illness or income protection alongside a higher-deductible base plan to build affordable, real-world protection.
Licensed and serving
Our primary service areas for these plans:
- Texas
- Florida
- Illinois
- North Carolina
- Georgia
Why choose us
What Working With Us Looks Like
Plans Designed for You
We start from your household, your budget and the doctors you want to keep — then design coverage around them, rather than fitting you into whatever plan happens to be on the shelf.
Expert Guidance
Underwriting, networks, riders and exclusions are our daily work. We translate the fine print into plain language so you understand precisely what you are buying before you sign anything.
Clarity on Costs & Coverage
Premium, deductible, coinsurance, out-of-pocket maximum and what is excluded — all laid out clearly, side by side, with no surprises after enrollment.
No-Obligation Quotes
Your quote is free and carries no pressure. Review it, compare it, and take as long as you need. If we aren't the right fit, we will tell you so.
Let's Talk About Your Coverage
A short conversation is usually enough to tell whether we can improve on what you have today.
Request My Free Quote