Business Details
39 Years
experience
Emergency
services
Your Trusted Partner for Affordable Insurance Solutions
Founded in 1987, Affordable Health Insurance has established itself as a leading independent insurance brokerage in Illinois. Recognized as a Top 10% producer with Blue Cross Blue Shield of Illinois, we specialize in individual, family, and group insurance solutions, including Medicare supplements, dental, vision, and supplemental plans. Our approach focuses on education rather than sales, empowering clients to make informed decisions through personalized comparisons and transparent guidance.With a 92% client retention rate, we prioritize long-term relationships, proactive risk management, and 24/7 U.S.-based support. Our team works directly with over 300 plan options across 40+ carriers, ensuring clients receive tailored coverage at competitive rates without hidden fees or third-party transfers.
Services
Health Insurance
Medicare Solutions
Employee Benefits
Life Insurance
Dental and Vision
Supplemental Insurance
Details
- Year established: 1987
Highlights and features
- We offer 35+ years of experience in health insurance brokerage.
- Our team provides 24/7 U.S.-based customer support.
- We maintain a 92% client retention rate through personalized service.
- We work with 40+ carriers to offer 300+ plan options.
- We provide transparent, side-by-side plan comparisons.
Associations and certifications
- Marketplace Certified
What people say
Great service
Super helpful
Highly recommend
24/7 availability
Cost savings
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals, families, and businesses. Our services include comparing plans from 40+ carriers, explaining coverage details, and identifying cost-saving opportunities. With expertise in ACA-compliant plans and marketplace certification, we help clients navigate complex insurance options while ensuring long-term affordability and protection against high medical costs.
Medicare Solutions
Our Medicare specialists assist clients with Part C, Part D, Advantage Plans, and supplemental coverage. We offer personalized comparisons between Original Medicare and Advantage options, explain prescription drug coverage nuances, and help seniors find affordable plans that match their healthcare needs. Our team stays updated on annual changes to ensure clients maintain optimal coverage as their requirements evolve.
Employee Benefits
We help businesses design cost-effective employee benefit packages that meet workforce needs while controlling costs. Our services include analyzing current plans, comparing group insurance options, and negotiating competitive rates with major carriers. We specialize in small business solutions that balance affordability with comprehensive coverage for employees and their families.
Life Insurance
We offer term and permanent life insurance solutions to protect families and businesses. Our process includes assessing coverage needs, comparing policies from top-rated carriers, and explaining policy features like cash value accumulation and riders. We help clients secure affordable premiums while ensuring adequate financial protection for dependents and business continuity.
Dental and Vision
We provide access to affordable dental and vision insurance plans that cover routine care and unexpected expenses. Our specialists compare plans based on coverage limits, network providers, and out-of-pocket costs. We help individuals and families find policies that balance premium costs with comprehensive benefits for checkups, procedures, and corrective lenses.
People
Rick Young
Insurance Agent
Rick Young has over 20 years of experience helping clients navigate health insurance options. He specializes in personalized plan comparisons, senior insurance solutions, and small business benefits. Rick prioritizes client education and long-term relationships, ensuring coverage meets evolving needs while maintaining affordability.
Alex
Medicare Specialist
Alex specializes in Medicare enrollment and supplemental coverage. With expertise in Parts A, B, C, and D, he simplifies complex insurance concepts for retirees. Alex provides detailed comparisons and step-by-step guidance to ensure clients understand their coverage options and make informed decisions.
Charnette
Customer Service Representative
Charnette supports clients with policy management, billing questions, and claims assistance. She ensures timely responses to inquiries and helps resolve coverage issues efficiently. Her focus on personalized support contributes to the company's high client retention rate and positive customer experiences.
Gary
Insurance Consultant
Gary assists clients with health insurance comparisons and enrollment. He specializes in helping individuals and families find affordable coverage that meets their specific needs. Gary's patient approach and attention to detail have earned consistent praise in client reviews for making complex insurance decisions manageable.
Ben
Owner
Ben leads the agency with over 20 years of insurance industry experience. He oversees operations and maintains the company's commitment to education-focused service. Ben ensures the team adheres to strict ethical standards while providing transparent, client-centered insurance solutions that prioritize long-term relationships over sales pressure.
Questions
What insurance products do you offer?
We offer health, Medicare, dental, vision, life, and supplemental insurance for individuals, families, and businesses. Our services include plan comparisons, enrollment assistance, and ongoing policy management.
How do you help clients choose insurance?
We provide personalized comparisons across 40+ carriers, explain coverage details, and identify cost-saving opportunities. Our team educates clients rather than pushing sales, ensuring informed decisions.
Are your services free?
Yes, our services cost nothing to clients. We're paid directly by insurance carriers, allowing us to offer unbiased comparisons and eliminate hidden fees or commission-driven recommendations.
Do you serve clients outside Illinois?
Yes, we serve clients in Illinois, Wisconsin, and Ohio. Our team provides remote assistance via phone and online tools for clients outside our local service area.
What makes you different from other agencies?
We prioritize education over sales, offer 24/7 U.S.-based support, and maintain a 92% client retention rate. Our team works with 40+ carriers to ensure unbiased, comprehensive coverage options.
Videos
Reviews (4)
Oxana Vasilciuc
Mar 05, 2022
Report
I found this place through google and reading the great reviews. Gary was very nice and welcoming. He helped me choose the right health insurance coverage for a great price. I highly recommend this place!
Sharicka Holloway
Dec 25, 2021
Report
My experience with Gary was amazing! I just moved to Chicago pregnant and haven't been seen by an OBGYN since I left NC! Everyone was turning me down, because of how far long I was in my pregnancy! Gary fought for me and worked really hard helping me out! I'm thankful and grateful at the same time for the help that was extended for me! Thanks GARY for the help!
Haley Nettles
Jun 03, 2021
Report
Gary is the greatest! He helped answer all of my questions regarding health and dental- couldn't be happier with his honesty and quality service. He is THE person to go to!
Ricardo Chanon
Feb 11, 2021
Report
Gary Harrell is a very helpful and knowledgeable person. Helped us understand more about the insurances, the deductibles and coverages available to us. I am very pleased and grateful we came across this business. Will definitely recommend my friends to go there for their health insurance needs.
