Thank you for visiting my website!

 I've been helping Oregonian's understand the complicated health insurance landscape since 2002. I designed this website to help you better understand the many insurance options available and to complement my personal advice.  

   Health insurance premiums are likely your second largest bill after housing.  It is worth making the effort to really understand the protection you are buying. My best service to you comes when we dialog, so I can understand your personal story and recommend a program that meets both your insurance needs and budget.

The Affordable Care Act Changed Everything....

   Since the passing of the Affordable Care Act (Obamacare), health insurance in Oregon has increased dramatically in complexity. There are now large tax credits offered to some, tax penalties offered to others, a Federal Marketplace offering 37 plans with narrowed provider networks, and dozen's of non-standard plans to evaluate. For 2017 some companies are leaving the Marketplace, and others are raising rates to offset the huge losses.   With Congress likely to reshape healthcare in coming years, it's important to have a knowledgeable broker to help you understand the new options as they emerge.   


   My job is to understand the dozens of available options, the company networks, and the policy nuances to help you better understand the  insurance landscape so you can make an informed decision. I can save you hours of research by pointing you in the right direction to discover the right coverage for you.  Best of all, the premiums are the same whether you list an agent/broker or apply direct.

   If you do find my advice helpful I appreciate your listing me as your broker when it comes time to make application: This is how I am compensated for my services.  

Open Enrollment 2017 for Individuals

    The 2016 Open Enrollment period for individual direct-written or Marketplace-written plans continues ended January 31.  Now you can only enroll if you have a 'Special Enrollment' situation such as a move, loss of group coverage, lost of OHP, getting married or divorced, etc.

   The Affordable Care Act requires you to have creditable coverage at least 10 months out of the year to avoid the tax penalty (90 day maximum lapse).  I share this because many of my clients fear having a gap of a month or 2 without a creditable health plan. 

This website was created with your needs in mind

  • Learn about the insurance products I represent 
  • Compare product brochures, provider links, and check providers
  • Download applications to apply for coverage or use my online application links when available.

  To learn more about a specific line of business click on the left-column links for more information.  You can expect honest and competent help when you contact me. It's not difficult to find the data online about plans, what's difficult is having the knowledge and wisdom to apply that data to your own situation clearly.  

  Give me a call or email me and I'm happy to discuss your insurance situation.   


Best regards,
Dan Neils
Agency Owner    

Office: 503-650-4325
PS  An efficient way to help you is to schedule a phone appointment with computer Screen-Sharing.  Here's how it works:
1. Call Dan at 503-650-4325 to set up a phone appointment at a time you can be in front of a computer.

2. When we start our call, I'll direct you to and give you a code to enter where it says "Join Meeting".  This will allow you to see my computer monitor through your browser.  I am most effective when I can show you coverage options, help you look up providers, and help you with the Marketplace direct.
DISCLOSURE:  We aim that all the quotes, brochures, and information on this site remain current and accurate, but rates and coverage are subject to change and vary by geographic location.  Final approval and premiums are always determined by the insurance company.    If you find an error, please e-mail me at, and I will correct it immediately.  
YOUR PRIVACY:  No information you share on this site will be used for purposes other than what you request-- to generate quotes with various insurance companies.  Maintaining your privacy is important to us, and your name and information will never be shared or sold.