Why choose us…

  • Free “no obligation” consultations
  • Dedicated To Customer Satisfaction
  • Represent multiple health insurance carriers
  • Most people save 40-80% on monthly rates
  • Plans for people with health conditions
  • Plans with NO DEDUCTIBLE or Co-Insurance
  • Your information is NEVER shared with others
  • Ability to choose your own doctors or hospitals

Most of my clients save 40% on their monthly premiums.

Get Quote Now

Your time is valuable. You do not need to spend hours searching for coverage. Let me do the legwork for you with a free quote in just minutes!



There is no “one-size fits all” plan.  Our specialist will consider YOUR situation and find the best solution to meet YOUR needs.  As an independent agent, we have access to a variety of plans to find the right one for you.



Sometimes your employer has the best plan for you, but it’s just not right for your children.  We have several options that meet this need and can find the solution that works best for your family.


Supplement Plans

Any Medicare recipient has to deal with gaps in coverage.  A Medicare Supplement program can help to protect you by covering the expenses that Medicare does not.


Business Plans

Attracting and retaining great people relies on being able to offer a great employee benefit package.  We help small businesses find the right solution that’s cost-effective for the employer, and a great resource for the employee.

Critical Illness


A critical illness plan can be a great asset for many people.  Depending on the circumstance, such a plan may have a minimal cost because not everyone will endure a critical illness in their lifetime.  However, when you do, patients realize how costly treatments can be, and a supplemental plan like this can make a huge difference.



Another supplemental plan that can offer big savings is an accidental injury plan.  With a relatively low cost, it’s another safeguard you can put in place to protect your pocketbook on the off chance you have to deal with an accident.  It can cover the deductibles and extraneous expenses that typical medical coverage doesn’t cover.

Medical / Dental

Expense Matching Accounts

This is a great program that helps individuals and families cover ANY type of medical or dental expense, and then best of all, MATCHES it!  It’s similar in functionality to a Health Savings Account but different in that its growth is guaranteed and substantial.



Adding a dental plan to help protect yourself and your family from unexpected expenses can be a huge asset.  We have several plans to choose from and will work with you to find the best fit for your circumstances.



Vision plans are often considered a big ‘extra’ when it comes to health coverage.  With more and more screen time at work and at home, it puts tremendous strain on our eyes, and having regular checkups is critical.

Ideal Health Advisors - Kim Kramer

Kim Kramer

Licensed Health Insurance Agent

Looking for better health coverage with affordable rates? You have options. I can help you save money without losing benefits by building you a plan based on your specific needs and budget.

​I am licensed to help in Alabama, Arkansas, Colorado, Florida, Georgia, Iowa, Kansas, Kentucky, Louisiana, Michigan, Missouri, Nebraska, North Carolina, Ohio, Oklahoma, South Carolina, South Dakota, Tennessee, Texas, & Utah.

​Let me go to work for you to make the process as easy as possible and continue to help you throughout the life of your policy.

Let’s assess your needs.
We have flexible and reliable insurance products that are tailor-made to fit your needs and budget.

My priority is helping individuals, families, and small businesses with quality health coverage including critical illness, life, dental, vision and disability at affordable rates.

Linda Gonzalez
April 5, 2022.
Kim has so much knowledge when it comes to choosing the right insurance. She listens to what you need and how much you can afford. She doesn't push coverage that you don't need. I recommend Kim to all my friends and family to help them get quality insurance with an affordable company.
JoAnna Parker
May 13, 2021.
Kim takes great care to make sure her customers are taken care of.
Mike McStay
May 6, 2021.
Kim helped me maneuver through all my healthcare options and answered all my questions and concerns. I felt like she had my best interests at heart and I'm thrilled with the final results. Please reach out to Kim to get a fair honest assessment of all your options.
Robert Reynolds
May 5, 2021.
Kim, saved me a lot of money on my insurance, she was very helpful and knowledgeable on the many different types of insurance out there. I would highly recommend her if you are in need of insurance ant a great rate.
Clark Sykes
May 5, 2021.
Kim listened to what I needed and exceeded my expectations.
Craig C. Backus
May 3, 2021.
I met with Kim recently and found her to be a wealth of knowledge. She reviewed my family's medical coverage and confirmed that we're currently getting the best value by working with my wife's employer. However, Kim went on to explain what to look for and price points to consider when it might be appropriate to move myself and my boys onto a separate policy. Kim is highly credible and a trusted resource for medical insurance questions.
Jim Francis
May 3, 2021.
Kim helped us find the perfect coverage for our needs and walked us through everything, making sure that we understood everything. I highly recommend Ideal Health Advisors for anyone who is looking to get the best coverage for a great price.
Marie Mikelson
February 24, 2021.
Kim Kramer with Ideal Health Advisors has been a true blessing to work with when finding an insurance solution for us. She is very responsive to my questions and has patiently answered everything immediately. We signed up for the Freedom Life Insurance plan and so far it's been a good solution for us. Kim overcame all of my initial questions about the product, explained that we have options to select (sort of like a cafeteria plan) and reassured us it was legit. We have been very happy so far. Give Kim a call immediately if you are thinking about getting a new insurance solution. She will not disappoint.