Premiums
What you pay to keep coverage active.
Health insurance & protection, with a personal guide
Your Monthly Bill Is Only Part of Your Health Insurance Cost.
Take a clearer look at your health coverage—what it costs, how it works, and where it may leave you exposed.
Personal guidance for self-employed professionals, independent contractors, small business owners, and their families.
Get my no-cost coverage reviewA comprehensive review. No obligation to enroll.
Jon Anthony MartinezHealth Insurance & Protection AdvisorCompass Health Consultants®California Insurance License #4551977 · NPN 18366927
PERSONAL GUIDANCE, ACROSS FIVE STATES California · Nevada · Georgia · Idaho · Ohio
Look beyond the monthly payment
A lower premium doesn't tell the whole story.
Good coverage decisions start with understanding the details. We look at how your coverage fits your needs, your budget, and the people who depend on you.
Deductibles
What you may need to pay before the plan shares certain costs.
Networks
How your doctors, hospitals, and care preferences fit.
Out-of-pocket exposure
How cost sharing could affect your household.
Coverage limitations
What is covered, excluded, or subject to policy conditions.
Choose your starting point
You Work Differently.
Your Health Insurance Should Fit.
Whether you work for yourself or own a small business, start with a review built around your priorities.
01
Self-employed professionals
When you're responsible for your own benefits, clarity matters. Review how your health coverage fits your work, household, and budget.
- Compare premium and cost-sharing tradeoffs
- Review doctor networks and coverage limits
- Consider protection for the people who depend on you
02
Small business owners
Your business creates responsibilities beyond your own coverage. Clarify your personal needs and discuss the options available for your situation.
- Review what you have and what you need
- Discuss coverage questions affecting your business
- Identify the next steps worth exploring
Looking for individual or family coverage? You're welcome here, too →
Recommendations depend on your needs, state, and available options. ACA-compliant coverage is considered when suitable. Life, disability, and supplemental coverage may also be discussed when appropriate; each product has its own benefits, limitations, and eligibility requirements.
The no-cost comprehensive coverage review
Three steps toward a clearer decision.
01
Tell me where to reach you.
Share a few contact details, then choose a time for a phone consultation.
02
Look at the whole picture.
Talk through your priorities, current coverage, premiums, deductibles, networks, and potential gaps.
03
Understand your next steps.
Review available options and their tradeoffs. Decide whether to keep your current coverage or explore a change.
No obligation to enroll. A review does not guarantee savings or eligibility.
Meet your advisor
Let’s Make Sense of Your Coverage.
Jon Anthony MartinezHealth Insurance & Protection AdvisorCalifornia Insurance License #4551977 · NPN 18366927
Understand what your coverage does before deciding what to change.
I’m Jon Anthony Martinez, a licensed advisor with Compass Health Consultants®.
My approach is to help you compare the details in plain language, understand your options, and make an informed next decision.
- ✓Start with your priorities and current coverage
- ✓Review costs, benefits, networks, and limitations
- ✓Discuss next steps without a promise of savings
Questions first? Call (559) 553-4599 or email Jon Anthony.
No-cost comprehensive coverage review
Your next step can be a simple conversation.
Tell me how to reach you, then choose a time for a 15-minute phone consultation.
We'll start with what matters to you and decide what deserves a closer look.
Phone consultation hours
Monday–Wednesday · 8 a.m.–8 p.m.
Thursday–Saturday · 8 a.m.–2 p.m.
Pacific time · Sunday closed
No cost. No obligation to enroll.
Request your coverage review.
A few details now. A personal conversation when it works for you.
Work directly with me.
I’ll respond personally to your coverage inquiry as a licensed advisor with Compass Health Consultants®. After submitting, choose a time for your 15-minute phone consultation.
Jon Anthony MartinezHealth Insurance & Protection AdvisorCalifornia Insurance License #4551977 · NPN 18366927
A little clarity before we talk
Common questions.
Is the coverage review free?
Yes. There is no cost for the review and no obligation to enroll in a policy.
Do I need to know which plan I want?
No. Start with your questions and priorities. I can help you understand the details worth comparing.
Is the review only about finding a lower premium?
No. The review looks at premiums alongside benefits, deductibles, networks, out-of-pocket exposure, and coverage limitations. Savings are not guaranteed.
What happens after I request a review?
I’ll use the contact details you provide to respond to your inquiry. You'll also have the option to schedule a 15-minute phone consultation.