We Are "The Broker's Broker" For ACA Compliant Health Insurance


Site Content and Downloads

Introducing Access Plans


FREE eBook download. This book introduces you to our concept of Access Based Health Insurance and how to sell it to your clients and prospects

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Watch our Video - Who We Are


Find our how we can help you as a trusted adviser. This video clearly describes who we are and why we should be a valuable resource for your agency

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Article & Blogs


Some of the latest articles and blogs discussing topics like: Medicare for All, Access Plans vs Traditional Major Med and others. Feel free to copy and use.

Latest Articles

Sales Tools - Agency Growth


Tips and techniques for increasing sales opportunities by outshining you fellow brokers. 

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Change Your Thinking about Group Health Insurance


Everything you have been told about employer sponsored health insurance is wrong. Read about it here

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Get a Quote in 24 Hours


Please provide a census with Age/DOB, Gender and Zip Codes. We will quote any group with 50 or more hourly employees

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Welcome From Our Team

We have served the broker community for over 20 years. We hope you will take a moment to view our "About Us" video and perhaps read one or more of our published articles. Mostly, we want you to keep us in mind when you need solutions for  your hourly worker clients, 


Susie Hammett - CFO


Susie takes care (is in charge) of finance and planning for the organization (and is partly responsible for our recent unprecedented growth)

Susie will take on a larger role in managing the affairs of the corporation as we move into more individual and supplemental lines of coverage in 2019 and beyond.


William Hammett - President


Mr. Hammett brings over 40 years of management and sales experience along with a substantial national reputation as a pioneer in commercial limited medical health insurance benefits with a keen understanding for the particular needs of direct distributors (brokers & agents) in the group benefits arena.

In recent years, Mr. Hammett has been called upon to conduct training for employers and brokers, the goal being to better understand a very unique compliance and implementation strategy for the Affordable Care Act (Obamacare) using the so called “MEC” or “Skinny Option” as the platform.

Our Credentials


Consulting Specialties

National Broker Network Support & Consultation

Affordable Care Act Compliance Expert

Self-Insured PPACA Compliant Health Plans

Enrollment Strategies

(Non ACA) Group Access Based Medical Plans

Direct Insurance Sales Training

Access Based Health Insurance Plans for Large Groups

William Hammett brings over 40 years of management and sales experience along with a substantial national reputation as a pioneer in commercial limited medical benefits, with emphasis on ACA Compliance and penalty avoidance strategies. With a keen understanding of the needs of direct distributors (brokers & agents) in the low-wage hourly workforce space.

Expert Speaker/Trainer

Because of Mr. Hammett’s record of success and his innovative strategies, many organizations have requested him as a key speaker or trainer. Some of the organizations he has addressed include:

  • California Council of Community Clinics – Key Note
  • The Leavitt Group (brokers) – Training
  • Burnham Benefits (brokers) - Training
  • Arthur J Gallagher (brokers) - Training
  • NAHU California – CE Credit Presentation
  • Pan American Life – National Agent Training Conference - Speaker
  • Louisiana Private Practice Physicians IPA – Key Note
  • Texas Facility Managers (Nursing Home Association) – Training
  • Clark County (Las Vegas) Health Underwriters – Speaker
  • East Coast Consortium of Home Health Agencies – Key Note Speaker
  • Michigan Grocery Store Owners – Annual Meeting, Key Note Speaker

Visitors Since 2019