Private health coverage + ACA guidance

Health insurance,
without the runaround.

Private & Marketplace health plans tailored for business owners, self-employed pros, and active families—without the headache.

Want to check me out first? View my producer profile + licenses.
Brittanie Abernathy, licensed health insurance advisor
“The goal isn’t more insurance. It’s the right coverage for your life.”
Ready when you are

Tell me what you need.
I’ll take it from there.

Start with the quote form, or book a time if you’d rather talk first.

Coverage

I don’t push one kind of plan.

I start with what you need, what you use, and what you can realistically spend. Then we look at the lane that fits.

My approach

Private first when it makes sense.

For people who can qualify medically, private coverage can be worth looking at — especially when nationwide access, everyday benefits or price are important.

If your needs are better served by an ACA plan, I’ll say that too. I’m not interested in forcing the wrong product into the right person.

Private coverage

Usually where I start.

Private plans may be a strong fit for healthy individuals and families who qualify through medical underwriting.

  • May offer nationwide PPO-style network access depending on the plan
  • Can be attractive for self-employed people and families
  • Underwriting, exclusions, limitations and waiting periods can apply
ACA Marketplace

When the benefits matter more than underwriting.

I look to ACA options when someone needs coverage that private plans may not include or when medical history makes private coverage a poor fit.

  • Maternity and newborn care
  • Mental and behavioral health services
  • Substance-use disorder treatment
  • Pre-existing conditions covered subject to plan terms

Not sure which lane sounds like you?

Pick the closest answer. This is just a starting point — not a coverage determination.

Start with my free quote form. I’ll check whether private options are worth comparing for your situation.
ACA Marketplace coverage is the lane I’d want you to look at first. You can shop through my HealthSherpa link or book a call with me.
Perfectly normal. Book a call and we’ll work backward from your doctors, prescriptions, budget and priorities.
The process

Three steps. No insurance degree required.

01Tell me what matters.

Doctors, prescriptions, budget, family needs and anything you absolutely need covered.

02I compare the right lane.

Private when it makes sense. ACA when it’s the better fit for your needs.

03You decide.

I explain the tradeoffs. You choose what you’re comfortable with.

Private health plans may be medically underwritten and can have exclusions, limitations, benefit caps or waiting periods. ACA Marketplace plans are subject to enrollment rules, service areas, plan networks, cost-sharing and other plan terms. Always review official plan documents before enrolling.

About me

The short version?
I work hard and love my people.

The insurance part matters. So does knowing who you’re trusting with it.

Black and white portrait of Brittanie Abernathy
Brittanie Abernathy with family
Brittanie outdoors with her dogs
A little background

I didn’t grow up dreaming about health insurance.

I spent years in business, accounting and hospitality leadership before making the jump into insurance. What hooked me wasn’t the policy language — it was the people, the pace and the chance to build something of my own.

Today I get to help people make a decision that can feel ridiculously confusing, while building a career and a life I’m genuinely excited about.

I’m ambitious. I’m competitive. I’m also the person who wants you to understand exactly what you’re buying.

Outside work, I’m a wife, mom and unapologetic dog person. I love travel, good food, being outside, and saying yes to the kind of experiences you remember years later.

Lake Norman, NCBusiness backgroundWife + momTravel obsessedLicensed in multiple states
What matters to me

Simple rules I actually follow.

Tell the truth.

If a plan isn’t a fit, I’d rather tell you that than make the sale.

Make it make sense.

No hiding behind insurance jargon. If you don’t understand it, I haven’t explained it well enough.

Keep growing.

Better rooms. Better questions. Better standards. That applies to business and life.

What keeps me grounded
“Nothing great was ever achieved without enthusiasm.”
— Ralph Waldo Emerson

Work matters. Life matters more.

I care about building something big without missing the people and moments I’m building it for.

Work with me →
Reviews

Trust is earned one client at a time.

I’d rather show you feedback I can stand behind than fill a page with anonymous marketing copy.

Careers

I didn’t change careers to play small.

I wanted more ownership over my time, my growth and what I could build. This career has pushed me hard — and given me opportunities I never had before.

Brittanie and colleagues on a performance-earned Montana work tripMontana · earned through performance
Brittanie and Paul at Yellowstone during the Montana work tripYellowstone with Paul
Brittanie on a UTV experience during the Montana work tripWork-trip experiences
A real example

I earned Montana through performance.

The trip came from the work. Yellowstone, custom hats, UTVs and time with people at the top of the business were the reward around it.

That matters to me because I wanted a career where producing more could actually open more doors — financially, professionally and personally.

“Life changes when your purpose becomes bigger than your problems and your determination becomes deeper than your doubt.”
Troy McQuaggeCEO, USHEALTH Advisors / USHEALTH GroupSource ↗
Who it fits

This isn’t for everyone.

You don’t need an insurance background. You do need to be coachable, comfortable talking to people and willing to keep showing up when you’re not instantly good at something.

01
You want more upside from your effort.You’re willing to work for it — not just wish for it.
02
You can take coaching.Feedback doesn’t offend you. You use it.
03
You’re okay being uncomfortable.Sales gets easier after you survive being new at it.
The part you don’t see on a job posting

The rooms, the people and what you earn access to.

Career opportunities, incentives and results vary by individual and qualification criteria. No income, award, trip or performance result is guaranteed.

From our CEO
“I’m proud of what we’ve achieved together. I’m even more proud of how we achieved it.”
Troy McQuaggeCEO, USHEALTH GroupSource ↗

Want to know what it actually takes?

I’ll tell you what I love, what’s hard, and what I would want to know before starting.

Contact

Pick the easiest way to reach me.

Quote, call, email, calendar or social. No contact-form black hole.

Quick answers

The questions I get all the time.

Do you only help with private coverage?

No. I usually check whether private options are worth comparing first, but I also help with ACA Marketplace plans when the benefits or medical history point there.

What if I have no idea what kind of plan I need?

That’s normal. Start the quote form or book a call. We’ll work backward from your doctors, prescriptions, budget and what you actually need covered.

Can I verify your licenses?

Yes. My public producer profile is linked on this page and in the site header.

What’s the fastest way to reach you?

Call (919) 395-2316, email lovebrittanie32@gmail.com, or grab a time on my calendar.

Get a free quote →
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