Private health plans
Explore plans outside the ACA marketplace and weigh network access, underwriting, benefits and cost together.
Health & life coverage guidance
The right coverage should feel clear.
The R2 Group helps individuals and families navigate private health plans, ACA options, dental, vision and life insurance—without losing sight of what the coverage needs to do in real life.
One clear
conversation
Health
Dental
Vision
Life
conversation
Private healthRhett’s primary area of focus
ACA plansMarketplace guidance led by Kloey, our ACA specialist
Dental + visionEveryday benefits that fit the bigger plan
Life insuranceA full range of protection for the people who rely on you
What we cover
Built around the whole picture.
Coverage decisions rarely live in separate boxes. We look at the mix—how you use care, what you want to protect and which tradeoffs matter most.
ACA marketplace plans
Understand marketplace choices, subsidy eligibility and the practical differences between available plan structures.
Dental + vision
Add routine-care benefits with a clear view of waiting periods, networks, annual limits and the services you expect to use.
Life insurance
Explore the full range of life insurance options, from term coverage to permanent protection, around your family’s needs and long-term goals.
A practical approach
Two paths. One coordinated view.
Together, Rhett and Kloey are licensed across all 50 states. Kloey holds more individual state licenses, and both can help with public ACA and private health plans: Rhett focuses on private coverage, while Kloey specializes in ACA marketplace plans and offers a full range of life insurance options. Whatever the coverage need, this is one unstoppable team.
Start with your situation
Household, doctors, prescriptions, budget and timing shape the path before plan names ever enter the discussion.
Compare the right pathways
Private and marketplace coverage can be considered side by side when both are relevant.
Make the tradeoffs visible
Premiums matter, but so do networks, deductibles, benefit limits, exclusions and real-world access to care.
Choose with context
The goal is not more paperwork. It is a decision you understand and coverage that matches the priorities you named.
Meet the team
Two specialists. One clear path forward.
Together, Rhett and Kloey are licensed across all 50 states, bringing private health, ACA marketplace and life insurance expertise into one coordinated conversation.
Private health specialist
Rhett
Before entering insurance, Rhett served as a firefighter and paramedic—work that demanded calm decisions, clear communication and putting people first when the stakes were high.
Today, he brings that same practical mindset to private health coverage, helping people understand the tradeoffs and choose protection with confidence—not pressure.
Partner · ACA + life
Kloey
Kloey is a partner at The R2 Group and specializes in ACA and public marketplace plans, helping individuals and families make sense of eligibility, subsidies and plan choices.
She also offers the full range of life insurance, bringing health coverage and long-term protection into one thoughtful strategy.
Different specialties, shared responsibility: listen carefully, explain clearly and help people protect what matters.
Coverage compass
What brings you here?
Choose the situation closest to yours. We’ll surface a focused set of questions to prepare for a coverage conversation.
Your prep list
Questions for self-employed coverage
- Which doctors and facilities matter most?
- What monthly premium range feels sustainable?
- How often do you typically use care?
- Are prescriptions or ongoing treatments a factor?
What matters
Clarity before commitment.
Good coverage guidance should make the decision easier to explain—not harder to question.
Plain-language tradeoffs
Premium, deductible, network and benefit limits all deserve a place in the same conversation.
One connected strategy
Health, dental, vision and life coverage should work as a practical mix rather than a pile of separate products.
A decision you own
Questions are welcome. The final choice should make sense to you long after the enrollment is complete.
Common questions
Before you compare.
Can The R2 Group help me in my state?
Yes. Between Rhett and Kloey, The R2 Group is licensed across all 50 states. Both can help with public ACA and private health plans, with Rhett focused on private coverage and Kloey specializing in ACA marketplace plans.
What is the difference between private and ACA coverage?
ACA marketplace plans follow federal marketplace rules and may offer income-based subsidies. Private plans are obtained outside the marketplace and can have different eligibility, underwriting, benefits and exclusions. The right path depends on your situation and the actual plan details.
Is the lowest monthly premium always the best value?
Not necessarily. A lower premium can come with a narrower network, higher out-of-pocket costs or different limits. Value depends on how you expect to use the plan, not the premium alone.
Can dental and vision be added separately?
Often, yes. Standalone dental and vision plans may be considered independently of medical coverage. Networks, waiting periods, annual maximums and service limits are important comparison points.
Which type of life insurance should I consider?
The right fit depends on what you want the coverage to accomplish, how long protection is needed and what fits your budget. Term and permanent options work differently, so the conversation starts with the financial gap or long-term goal you want to address.
Schedule a conversation
Choose a time that works for you.
Book directly with Rhett. Select an available time below and Calendly will guide you through the rest without leaving this page.
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A better first step is a better set of questions.
Ready to talk through your options? Call or email Rhett to start with the questions that matter.
www.ther2group.co