You're probably overpaying for health insurance.
Let's look at your bill together.
- Top Tier Coverage
- Manny Lopez, licensed advisor
- 31 states
- 5.0 stars on Google
Free 15-minute review. Clients save $300+ a month on average. Or call (757) 281-8178.
Pick a time. Bring your bill.
- Tell me what you pay now
Your current premium, deductible, and who's on the plan.
- See your options side by side
ACA marketplace and private plans, compared for your household.
- Decide on your own time
No pressure and no obligation. The review is free.
If a different plan or advisor fits you better, you'll hear that too.
Rather talk now? Call (757) 281-8178.
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Every review: five stars.
"...Even with 4 kids on my plan he still helped me to save $213 a month!!!..."
"Just worked with Manny for the second time because I know he's giving me solid advice and breaking down my options. He's efficient with my time and honest. I'll be using him and recommending him as long as he's in business and I'm in need. Highly recommend."
"Mr. Lopez was a joy to work with. He's patience, a great listener and I love the fact that he was not pushy. He'll always have my business and I will not hesitate to recommend him to others."
"When it comes to health insurance the first word that comes to mind for me is "overwhelming". That's why I feel so lucky to have been connected with Emmanuel Lopez. He took time to understand my needs and point me in the right direction. Cannot recommend enough. I can now book appointments as needed knowing I have the coverage for proper care. Thankyou!"
"Very knowledgeable and to the point. He tells you the truth and definitely has your best interest at heart."
"Manny made this so easy. Broke everything down and was sure I understood it all. Felt like I was working with a friend. This is your guy if you want a quick streamlined experience."
"Manny helped my whole family find an affordable plan, I love him"
Did your premium jump this year?
You're not the only one.
The ACA's enhanced premium tax credits expired at the end of 2025. For a lot of households, that changed which plan makes sense, and some people are now paying full price for coverage that no longer fits.
Marketplace plans are priced on income. Private plans are medically underwritten. The right answer depends on your household, so I compare both and show you the numbers side by side.
I work with ACA marketplace and private plans, with a primary focus on private coverage.
Who I help
Also available
- Small group
- Dental
- Vision
- Life
- Supplemental
Licensed in 31 states
- AL
- AR
- CO
- DE
- FL
- GA
- IA
- IL
- IN
- KS
- KY
- LA
- MD
- MI
- MO
- MS
- MT
- NC
- NE
- NV
- OH
- OK
- SC
- SD
- TN
- TX
- UT
- VA
- WI
- WV
- WY
Live somewhere else? Call anyway. If I can't help, I'll point you to someone who can.
Top Tier CoverageAdvising
Health insurance for individuals, families, and small businesses.
Hours (ET)
Top Tier Coverage is a licensed insurance advisor offering both ACA marketplace and private coverage, with a primary focus on private plans. Results mentioned are representative examples and are not guaranteed. Reviews are quoted from Google.
Free 15-min review5.0 stars on Google