Jody and JoAnna Howell, The Insurance Specialists

Welcome to our Insurance Shop!

In today’s market, finding the right coverage is a challenge—but you don't have to navigate it alone. We compare hundreds of health, dental, vision, and Medicare plans to bring your best options into one place. Let’s work together to find the perfect plan for your unique needs and budget. Book your private appointment below.

Small Business Insurance — The Howell Agency
Small Business Coverage

Small Business Health Insurance

Protect your team with coverage built for entrepreneurs, sole proprietors, and growing businesses. We partner with Ameristead Health and AmeriBenefit Plan to bring you flexible, affordable options.

Flexible group plans & association benefitsNationwide provider networksNo-cost expert guidance from a licensed specialist

Free Marketplace Quoting Tool

See exactly how much you could save on health insurance in minutes. Enter your zip code, household size, and income — and we'll show you your real subsidy.

See How Much You Can Save →
Free Marketplace Quoting Tool
Private Market Insurance — Customized Coverage Solutions

Not your average Coverage

Coverage built around you —

Off-the-shelf plans were not designed with your life in mind. Private market insurance is different — we dig into your situation, find the gaps, and build something that actually fits. No cookie cutters. No one-size-fits-all nonsense.

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Built for your situation

We start with your life, not a brochure.

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No cookie-cutter plans

If it does not fit, we do not sell it to you.

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A real human in your corner

One call and Jody handles the rest.

Medicare Coverage — The Howell Agency
Medicare Coverage

Medicare Plans Made Simple

Turning 65 or already on Medicare? We help you navigate Medigap, Medicare Advantage, and Part D drug plans so you get the coverage you need without the confusion.

Medigap Plans G, N & A explained clearlyMedicare Advantage & Part D drug plansFree, no-pressure guidance from a licensed agent

Frequently Asked Questions

Our service is completely free to you. We're paid by the insurance carriers, not by you. You get expert guidance at no extra cost.

We offer health, dental, vision, life, Medicare Advantage, Medigap, Part D, and supplemental plans from hundreds of carriers nationwide.

Yes. ACA Marketplace plans cannot deny coverage or charge more due to pre-existing conditions. We'll help you find the right plan for your situation.

Most individuals and families earning between 100% and 400% of the federal poverty level qualify for premium tax credits. Use our free quoting tool to see your exact savings.

In many cases you can enroll and have coverage start as soon as the first of the following month. During Special Enrollment Periods, coverage can begin even sooner.

Trusted Carriers We Work With

Cigna HealthcareManhattan LifeBlue Cross Blue ShieldNCD by MetLifeAmeritas Dental and VisionUnitedHealthcare VisionAllstate Health Solutions