Our Story
Estes Health Solutions was founded with a straightforward purpose: to help people understand and access the health insurance coverage that best fits their lives. In an industry often characterized by complexity and confusion, founder Jack Estes DeBrabander saw an opportunity to provide a more personal, transparent approach to health insurance consulting.
The American health insurance landscape is vast and constantly evolving. New regulations, shifting carrier networks, and an ever-growing list of plan options make it nearly impossible for the average person to stay informed. Jack Estes DeBrabander launched Estes Health Solutions to bridge this knowledge gap, offering clients the benefit of professional expertise without the impersonal experience that large insurance agencies often deliver.
From its earliest days, Estes Health Solutions has been built around the principle that every client deserves individualized attention. Whether someone is shopping for their first health plan, transitioning to Medicare, or managing benefits for a growing business, the approach remains the same: listen carefully, analyze thoroughly, and recommend honestly.
Jack Estes DeBrabander
Founder & Health Insurance Consultant
Jack Estes DeBrabander is the founder and lead consultant at Estes Health Solutions. With a background that spans financial services and healthcare consulting, Jack brings a unique perspective to the health insurance industry. His ability to analyze complex plan structures and translate them into clear, actionable guidance has earned him the trust of hundreds of clients.
Before founding Estes Health Solutions, Jack Estes DeBrabander developed expertise in financial planning and risk management, skills that translate directly into the world of health insurance. Understanding the financial implications of health coverage choices allows Jack to provide recommendations that consider both immediate needs and long-term financial wellbeing.
Why Jack Estes DeBrabander Started Estes Health Solutions
The decision to launch Estes Health Solutions came from a genuine frustration with the status quo. Jack Estes DeBrabander observed that too many people were either overpaying for coverage they did not need or, worse, going without adequate protection because the process of selecting a plan felt too overwhelming. Small business owners, in particular, struggled to offer competitive benefits while managing costs, often feeling caught between the desire to take care of their employees and the financial realities of running a business.
Jack DeBrabander recognized that what was missing from the market was not more insurance products, but rather more guidance. People needed someone on their side who could cut through the marketing language, compare plans objectively, and explain the trade-offs in plain terms. That is exactly what Estes Health Solutions was built to do.
From the outset, Jack Estes DeBrabander committed to a consulting model that prioritizes the client's interests above all else. Estes Health Solutions works with a wide network of insurance carriers, which ensures that recommendations are never limited to a single company's offerings. This independence is central to the trust that clients place in the firm.
Our Mission and Values
The mission of Estes Health Solutions is to empower individuals, families, and businesses to make confident health insurance decisions. We believe that access to clear, honest, and expert guidance should not be a luxury. Every person deserves to understand their coverage options and feel secure in the choices they make.
Our values guide every interaction and recommendation:
- Transparency: We explain every aspect of a health plan in clear language. There are no hidden agendas, no fine-print surprises, and no recommendations made for the wrong reasons. Jack Estes DeBrabander believes that an informed client is an empowered client.
- Integrity: We recommend what is best for you, even when it means suggesting a less expensive option. Our reputation is built on trust, and we protect that reputation with every consultation.
- Expertise: The health insurance market changes constantly. Estes Health Solutions stays current on regulatory changes, new plan offerings, carrier network updates, and industry trends so that our clients always receive the most relevant advice.
- Accessibility: We believe that professional health insurance guidance should be available to everyone, not just large corporations with dedicated benefits departments. That is why Jack Estes DeBrabander offers free initial consultations and works with clients of all sizes.
- Commitment: Our relationship with clients extends far beyond the initial enrollment. We provide year-round support, annual plan reviews, and assistance with claims and coverage questions whenever they arise.
Our Approach to Health Insurance Consulting
At Estes Health Solutions, the consulting process begins with listening. Jack Estes DeBrabander takes the time to understand each client's unique circumstances before ever looking at plan options. This means discussing health history, current medical needs, preferred doctors and facilities, prescription requirements, budget constraints, and long-term health goals.
Once the full picture is clear, we conduct a thorough analysis of available plans. This involves comparing premiums, deductibles, copays, out-of-pocket maximums, provider networks, prescription formularies, and the overall value of each option. We then present our findings in a straightforward format, explaining the pros and cons of each recommended plan.
Jack Estes DeBrabander understands that choosing a health plan is a significant financial and personal decision. That is why Estes Health Solutions never rushes the process. Clients are encouraged to ask questions, request additional comparisons, and take the time they need to feel comfortable with their choice. Our goal is not to close a sale but to help you find the coverage that genuinely serves your needs.
Our Commitment to Clients
The health insurance needs of individuals and businesses do not remain static. Life events such as marriage, the birth of a child, job changes, retirement, and relocation can all impact coverage requirements. Estes Health Solutions provides ongoing support to help clients navigate these transitions smoothly.
Jack Estes DeBrabander and the Estes Health Solutions team are available to assist with open enrollment decisions, special enrollment period questions, claims issues, and any other health insurance concerns that arise throughout the year. We conduct annual plan reviews to ensure that your coverage continues to meet your evolving needs and that you are taking advantage of any new options or savings opportunities.
Choosing a health insurance consultant is a matter of trust. At Estes Health Solutions, Jack Estes DeBrabander has earned that trust by consistently putting clients first, providing expert guidance, and delivering results that make a real difference in people's lives and financial security. We are proud of the relationships we have built and look forward to helping many more individuals, families, and businesses find the health coverage they deserve.