About Health Trust Financial
Health Trust Financial is an independent health insurance brokerage and the only company the Ramsey Team recommends to help you find health insurance. We compare the top carriers for you, at no cost, and stay with you for the long haul.
A licensed advisor follows up with your options. Free. No obligation.
Buying health insurance is hard. The plans read differently, the fine print is dense, and the price can surprise you. We exist to be the trusted guide in the middle, shopping the whole market on your behalf instead of pushing one carrier's product. Because the carriers pay us, that help is free to you.
How we get paid, in plain terms
People assume a broker costs them extra. It's the first thing they want to know, so here's the straight answer. The carriers pay us a commission when you enroll. That commission is built into the price of the plan whether you use us or not, which means going direct doesn't save you a penny. It just means nobody is in your corner. We never mark up a plan, we never charge you a fee, and the price you pay through us is identical to the price you'd pay on your own.
We are paid by the carriers, not by you.
Our help costs you nothing.
The price is the same either way.
Going direct does not get you a discount.
We are not tied to one company.
Our job is to find the plan that actually fits you, not to push one company's product. If a plan we can't sell is the right plan for you, we'll tell you that.
What we believe
We work for you, not the insurance company.
Our job is to find the plan that fits your life and your budget, not the one that pays best. Because we compare across top carriers, we have no reason to favor one.
We teach instead of pressure.
You should understand your choices before you make one. If you're not ready, we'd rather you wait than buy something you don't understand.
We earn trust and keep it.
The Ramsey Team has recommended us since 2003. That isn't a logo we bought. It's a standard we've held for more than two decades.
We stay with you.
Coverage isn't a one-time transaction. We're here through renewals, life changes, and the move to Medicare.
Recommended by the Ramsey Team since 2003.
What our clients say.
Who we help
Early retirees bridging the years before 65
The gap between leaving work and Medicare.
See how it worksFree. No obligation. No flood of calls.
Where to find us
Monday to Friday, 8:30 a.m. to 4:30 p.m. Eastern
2000 Berry Hill Road
Montgomery, AL 36117
Prefer to talk it through? Call us. Someone will answer.
Call 855-255-2982See my options in 2 minutes.
See my optionsFree. No obligation. No flood of calls. Or call 855-255-2982.