Erin Paumen Health Insurance Advisor

This week I’m helping husband and wife business owners who were paying $2,600/month for their health plan… just for the two of them.

We were able to move them to a plan with similar coverage and save them $1500/month. (Um that is 18k a year 🤯🤯🤯🤯)

Even better… they locked in their rate for the next 24 months, so no stressing about a big increase next year.

If you’re a business owner paying full price for health insurance, would it be worth a quick look to see if something better exists?

✨Meet A Member Monday✨

Erin Paumen

What do you do and who do you help?
I help individuals, families, and small business owners find health insurance that actually fits their life. Most of my clients are generally healthy and want coverage that protects them from major, unexpected medical events without overpaying for benefits they’ll likely never use. Many are also higher-income earners who don’t qualify for ACA subsidies and feel frustrated by high premiums, limited networks, or confusing plan choices. I focus on options that provide real protection, nationwide PPO access, and flexibility.

What inspired you to start your
business or choose your industry?
I got into health insurance after personally losing coverage during major life changes and realizing how overwhelming and confusing the process can be when you’re on your own. I experienced being laid off, facing unaffordable COBRA options, and working for a small business where the insurance premium cost more than my mortgage. Seeing firsthand how one wrong plan choice can create serious financial stress, I knew I wanted to be the person who helps others avoid that situation and feel confident in coverage that truly fits their life.

What is a question clients should ask before choosing someone in your field?
“Does this plan have a true maximum out-of-pocket, or does it cap benefits?”
Many people don’t realize there’s a big difference between plans that limit what you pay and plans that limit what the insurance pays. A true maximum out-of-pocket creates a financial safety net by legally capping your exposure in a worst-case scenario. Once you hit that limit, covered medical expenses are paid at 100%. That predictability and protection is critical, especially during unexpected health events. Clients should work with someone who understands this difference and prioritizes long-term financial protection, not just the monthly premium.

What sets your business apart from everyone else?
I do the shopping, comparing, and explaining so my clients don’t have to. I look beyond at the marketplace and beyond to customize coverage based on how someone actually uses insurance, focusing on protection from large medical bills without overpaying for things they don’t need. Having personally navigated major life and career changes that impacted my own coverage, I understand how overwhelming these decisions can be. My goal is to build long-term relationships and be a trusted resource.