Individual & Family Plans
ACA-compliant coverage for you and your household. We compare premiums, deductibles, and provider networks so you understand exactly what you're getting before you sign.
Reno's Independent Health Insurance Advisors
We Negotiate With a Dozen Carriers So You Don't Have To.
One conversation. Honest comparisons. Coverage that actually fits your life — not a salesperson's quota. Serving individuals, families, and businesses across the Truckee Meadows since day one.
Licensed & Nevada-based
No enrollment fees
Open enrollment & year-round support
What We Offer
Coverage solutions, not one-size-fits-all plans.
Whether you're securing your first policy, switching carriers, or protecting your team, we match you with the right plan from multiple top-rated insurers — not just one.
Small Business Groups
From solo entrepreneurs to teams of fifty — we structure group plans that keep your employees covered and your budget intact. Compliance handled, paperwork minimized.
Medicare & Senior Options
Medicare Advantage, Supplement, and Part D — the landscape changes every year. We walk you through your options with clear, jargon-free explanations tailored to your health needs.
Life & Critical Illness
Health insurance is only part of the picture. We also offer term life, whole life, and critical illness policies to protect what matters most to you and your family.
Year-Round Enrollment Help
Life doesn't wait for open enrollment. Qualifying events — marriage, relocation, loss of coverage — trigger special enrollment periods. We help you navigate them quickly and correctly.
Claims & Renewal Support
Your relationship with HIIR doesn't end at enrollment. We assist with claims questions, carrier disputes, and annual renewals — because coverage should never feel abandoned.
Why Choose HIIR
Independent doesn't mean indifferent. It means we work for you — not the insurance companies.
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Multiple carriers, one advisor. We don't represent a single insurer. We shop the market so you don't have to.
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Locally rooted in Reno. We understand Nevada's health insurance landscape — and the unique needs of Truckee Meadows residents.
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No commissions tied to specific plans. Our guidance is unbiased. We recommend what fits your situation, not what pays us the most.
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Transparent pricing. No hidden enrollment fees, no surprises. What we quote is what you pay.
How It Works
Three steps from confusion to clarity.
We've simplified the process so you spend less time researching and more time living.
01
Tell Us Your Situation
Call us or fill out the form below. Share what you know — or don't. We'll ask the right questions to understand your health needs, budget, and preferences.
02
We Compare & Present Options
We pull quotes from the carriers we work with and lay out your best fits side by side — premiums, deductibles, networks, and prescription coverage — all in plain language.
03
Enroll With Confidence
You pick the plan that feels right. We handle the paperwork, confirm your enrollment, and stay available for any questions that come up afterward.
Common Questions
Answers before you need to ask.
You can go direct, but you'll only see one company's options. We compare across multiple carriers so you can actually see the differences in price, coverage, and network — and pick what's best for you, not what's easiest to sell.
Our advisory service is free to you. We're compensated by the insurance carriers when you enroll — the same way any agent would be. That means you get expert guidance at no out-of-pocket cost, and your premium stays the same whether you come through us or go direct.
Absolutely. We review existing policies during open enrollment and anytime a life change triggers a special enrollment period. If your current plan no longer fits — your doctors left the network, your premiums rose, your needs changed — we'll find a better option.
Yes. While our office is in Reno, we work with clients throughout Northern Nevada — Sparks, Fernley, Carson City, Washoe Valley, and the surrounding communities. Phone and video consultations are available for anyone who can't come in person.
Open enrollment for ACA plans runs November 1 through January 15, but you don't have to wait. Marriage, having a baby, moving to a new zip code, or losing other coverage all qualify you for a Special Enrollment Period — and we can help you act fast before the window closes.
Get in Touch
Let's talk about your coverage.
Visit us at our Reno office, give us a call, or drop a message below — we'll get back to you within one business day.
- Address
- 445 California Ave
Reno, NV 89509 - Phone
- 775-813-6251
- Hours
- Monday – Friday, 9:00 AM – 5:00 PM
Weekend appointments by request
