Individual & family health plans
Coverage that fits your life and your budget — whether you're between jobs, self-employed, or just paying too much. I compare plans across carriers and find the one that actually fits.
Explore optionsBay Area Health Insurance Advisor · 20+ Years
Confused by Health Insurance? Stop overpaying and start making smarter coverage decisions.
I'm Matthew Sohn, a licensed Bay Area health insurance advisor with 20+ years of experience and the author of Your Map to Health Insurance. I help individuals, families, and small businesses cut through the confusion, stop overpaying, and choose coverage with confidence — all in plain English, and at no cost to you.
- 5.0 ★ on Amazon
- $4,200/yr — what one Bay Area family saved
- CA License #0D68492
Licensed & independent
20+ years · Bay Area
20+
Years advising Bay Area clients
5.0 ★
Amazon rating · 8 reviews
$4,200/yr
Saved by one client family (illustrative)
$0
Cost of your first consultation
Sound familiar?
Health insurance shouldn't feel like a trap
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Too many plans, too little time
Dozens of plans, endless fine print, and a deadline looming. It's tempting to just pick one and hope for the best.
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HMO? PPO? HDHP?
The acronyms alone are exhausting — and picking wrong can cost you thousands or leave you uncovered when it matters most.
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Premiums keep climbing
Your costs go up every year and the coverage somehow feels worse. You suspect you're overpaying, but proving it is a whole other job.
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Medicare deadlines don't wait
Miss a Medicare enrollment window and you can face penalties for life. The clock is real and the rules are confusing.
How it works
Three simple steps to coverage you understand
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1
Free consultation
We talk through your situation, your budget, and what matters most to you. No cost, no pressure, no jargon.
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2
Custom plan comparison
I compare plans across carriers and bring you a clear, side-by-side breakdown of your best options — and what they'll really cost.
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3
Confident enrollment
I handle the paperwork and walk you through enrollment, then stay available for your questions all year long.
What I help with
Coverage help for every stage of life
Whether you're insuring a family, turning 65, or setting up benefits for your team, I'll help you find the right plan and explain it in plain English.
Small business employee benefits
Attract and keep good people with benefits that work. I help Bay Area small businesses design, compare, and administer group health coverage — without the headache.
Explore optionsMedicare planning
Turning 65 or already on Medicare? I'll walk you through Advantage, Supplement, and Part D in plain English and help you choose with confidence — no pressure.
Explore optionsACA / Covered California
Find out if you qualify for subsidies and get enrolled the right way. I make Covered California simple and make sure you don't leave money on the table.
Explore optionsPlan reviews & cost savings
Already have coverage? I'll review it at no cost and tell you honestly if you're overpaying or under-covered — even if the best move is to keep what you have.
Explore optionsNot sure where you fit?
Let's figure it out together. One free conversation and you'll know your options.
Get a free consultation
A plain-English guide
Your Map to Health Insurance
Pick Your Best Plan, Save Money & Avoid Expensive Mistakes
Wrote the book on it — literally
Your Map to Health Insurance
Pick Your Best Plan, Save Money & Avoid Expensive Mistakes
I wrote this plain-English guide so anyone can make a confident insurance decision without a broker in the room. Inside, you'll learn:
- The real difference between HMO, PPO, and HDHP plans — in plain English
- How to choose the right coverage while actually cutting your costs
- What to do when life changes: job changes, retirement, and Medicare
- How small business owners can set up cost-effective employee benefits
- The insurance jargon decoded, so you never feel lost again
"Excellent resource for individuals and entrepreneurs looking at their first health insurance plan. Employers setting up a benefits package will find this valuable as well."
— Samantha Jo, Verified Amazon Purchase
CA License #0D68492
Who you're working with
Hi, I'm Matthew Sohn
My father, a physician, taught me to solder at seven. I promptly tried to make my model train faster by wiring it straight to 120-volt household power instead of the 12-volt transformer — and fried the cord. The lesson stuck: understand the system, ask the right questions, and find the practical solution. That's exactly how I approach your insurance.
For 20+ years I've brought that same approach to health insurance for Bay Area individuals, families, and small businesses: understand your situation, ask the right questions, and find the plan that actually fits — then explain it in language that makes sense.
- Licensed Insurance Broker
- CA License #0D68492
- 20+ Years
- Author
In their words
Bay Area families and businesses I've helped
Illustrative examples — to be replaced with real, approved client reviews before launch.
Matthew helped us save $4,200 per year while actually improving our coverage. He took the time to understand our family's needs and walked us through every option in plain English. We'd been overpaying for years and didn't even know it.
Turning 65 and facing Medicare felt overwhelming until I called Matthew. He explained everything in plain English, compared the plans side by side, and never pushed me toward anything. I finally feel confident about my coverage.
As a small business owner, setting up employee benefits seemed overwhelming. Matthew made it simple, found a plan my team actually likes, and handled all the paperwork. My employees thank me for it.
Good questions
Frequently asked questions
Straight answers, no jargon. Still wondering something? Just ask me.
Is the consultation really free?
Yes. Your first consultation is completely free — no cost and no obligation. We'll talk through your situation, your current coverage, and your options so you can make an informed decision.
Do you charge a fee for your help?
No. As a licensed broker I'm compensated by the insurance carriers, so you pay the same premium whether you work with me or sign up on your own — you just get expert guidance at no extra cost.
Can you help with Medicare?
Absolutely. I help people approaching 65 and current Medicare beneficiaries compare Advantage, Supplement, and Part D plans, and choose the coverage that fits their health and budget — with no pressure.
Do you set up health benefits for small businesses?
Yes. I help Bay Area small businesses design and administer employee health benefits, compare carriers, and handle enrollment, so you can offer great coverage without the headache. (For larger group benefits, see my employer practice, Mission Benefits.)
What areas do you serve?
I serve individuals, families, and businesses across the Bay Area — including San Jose, Sunnyvale, Mountain View, Palo Alto, Santa Clara, Cupertino, Los Altos, and Menlo Park — by phone and in person at Avenidas in Palo Alto by appointment.
Will you review my current plan?
Yes, at no cost. Many people are overpaying or carrying the wrong coverage. I'll review what you have now and tell you honestly whether it still fits — even if the answer is to keep what you've got.
Let's talk
Let's find your best plan
Book a free, no-pressure consultation. Tell me a little about your situation and I'll get back to you — usually within one business day.
- (408) 384-8150
- info@matthewsohn.com
- In person at Avenidas, Palo Alto by appointment
Mockup form — connect to a real handler before launch.
Thank you — message received.
I'll get back to you, usually within one business day. If it's time-sensitive, call (408) 384-8150.