Clear, unbiased guidance for individuals, families, Medicare, and small businesses so you can find the right coverage with confidence.
Get affordable coverage that fits your stage of life, not just a notice in the mail. We compare multiple carriers, explain your options in plain language, and help you enroll with confidence.
Turning 65 or already enrolled? Medicare can be confusing. We help you understand how Parts A and B work, when a Part D or Medicare Advantage plan makes sense, and how to avoid costly mistakes.
Rising premiums don’t have to be a given. We review your options, explore fully insured and level funded plans, and show you strategies to control costs while improving coverage for your team.
Hundreds of individuals, families, and businesses trust Seto Health Group.
Let’s find the right coverage for your unique needs.
Quick. Easy. No Obligation.
With nearly 45 years of experience, we combine industry knowledge with real people service to help you make confident health insurance decisions.
We work for you, not a single carrier.
Clear explanations (no sales pressure).
Help with changes, renewals and life events.
45+ years of knowledge you can trust.
Steve is licensed in Florida, Connecticut, Georgia, Illinois, Michigan, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Indiana, Kentucky, Virginia, and Maine.
First, we will review your census for Medicare-eligible employees and transition them to a superior Medicare plan. This will help make your census younger and healthier, potentially lowering group rates. Then, we will determine which carrier and plan designs suit your company.
Next, we’ll evaluate your eligibility for a Level Funded Proposal to reduce group health insurance costs. If your census qualifies, we’ll submit it to carriers offering level-funded plans. You could receive 8–15% lower rates and even a refund for unused claims after a healthy coverage year.
Lastly, we work with leading carriers like United Health Care, Aetna, and Allstate to deliver strong, nationwide PPO plans. These plans offer flexible options and competitive pricing, helping your company design a level-funded solution that’s both effective and affordable.
Get affordable coverage that fits your stage of life, not just a notice in the mail. Steve compares multiple carriers, explains your options in plain language, and helps you enroll in flexible 12 to 36 month plans with year round availability.
Rising premiums do not have to be a given. Steve reviews your census, explore fully insured and level funded options, and shows you strategies like transitioning Medicare eligible employees off the group plan to control costs while improving coverage.
Whether you are about to turn 65 or already enrolled, Medicare can feel confusing. Steve can help you understand how Parts A and B work, when a Part D or Medicare Advantage plan makes sense, and how Medigap coverage can fill the gaps. You leave with a clear plan and confidence that you chose the right path.
Independent advice:
Steve is an independent broker, which means he works for you, not a single carrier. You see multiple options and choose what fits your health, lifestyle, and budget.
Education first:
Every conversation starts with simple explanations, not sales pressure. You get your questions answered, the fine print decoded, and support long after you enroll.
Ongoing support:
Plans, networks, and needs change. Steve reviews coverage with you, helps you respond to life events, and guides you through renewals and transitions like Medicare or new group benefits
Steve is very helpful and knowledgeable about the Aetna Medicare plan that my husband and I carry. He did an excellent review of what our current plan offers so that we were relieved that we have the best health care coverage we need. I would recommend his services to anyone who needs help.
Joyce Golesky