Hess Insurance Solutions

Hess Insurance Solutions Bridging holistic health, self-pay strategies, and smart insurance. Group plans for small businesses/entrepreneurs( 1-10+ people).

Hi, I’m Kimberly Hess — founder of Hess Insurance Solutions and a licensed health and life insurance broker serving individuals, families, and small business owners across the country. I specialize in affordable, private alternatives to the Marketplace that offer better benefits, more flexibility, and often significantly lower premiums. My background is rooted in wellness and proactive care, and I

believe your health plan should reflect the same mindset: preventative, protective, and personalized. Whether you're a self-employed professional, growing a business, or just trying to figure out how to keep your family covered without breaking the bank, I’m here to guide you every step of the way. I partner with leading carriers including First Health Network, Aetna, United, and PALIC to offer customized plans with options like $0 outpatient deductibles, critical illness protection, accident coverage, and even 24/7 Teledoc access. With year-round enrollment and no need to wait for open enrollment, I help clients get the coverage they need exactly when they need it. Beyond plans and premiums, I’m passionate about education and connection. I host women’s networking events, webinars, and one-on-one consultations to empower people to understand their options and make confident decisions. This isn’t just about policies—it’s about peace of mind. When I’m not building health coverage strategies, I’m either lifting weights, walking my daughter into another adventure, or sipping coffee at a local café while dreaming up my next community collaboration. My goal is to help you protect what matters most—with clarity, compassion, and maybe a little humor along the way. Let’s simplify your insurance, together.

05/14/2026

Sometimes it’s good to record yourself because it reminds you to fix the back of your hair 😂

In all seriousness, I would love to have you at the next step into connection the first Saturday of every month. Location will be changing from our usual Lake Lynn this month and probably changing locations every month because it’s so nice out and there’s so many great places to walk. I also want to make it convenient for people in different cities too meet and walk with us because we’re awesome. 💪

Comment INFO and I will send you the details for the next step into connection walk.
Or DM me! 919-909-2145

05/13/2026

Today was one of those days where I sat on the phone for HOURS with people coming off corporate plans trying to make sense of healthcare.

COBRA premiums that feel like a second mortgage. Traditional plans with huge deductibles people realistically can’t afford to use. Families overwhelmed trying to make the “right” decision while scared to make the wrong one.

And honestly? I left a little frustrated.

Not because people said no. That’s their choice.

But because I realized how conditioned people are to believe healthcare only works one way.

“Where’s the copay?”
“What’s the max out of pocket?”
“Is this ACA?”
“Why are you pushing this plan?”

I’m not pushing anything.

I’ve been doing this for 6 years. I can offer multiple types of coverage. I don’t work for one insurance company and I don’t magically get richer because someone chooses one plan over another.

What I’m trying to do is explain that healthcare is changing.

A lot of healthy, low risk individuals are choosing more modern approaches to coverage because paying massive premiums for benefits they never use no longer makes sense to them.

People are becoming more proactive.
They’re self paying for things they value.
They’re asking different questions.
They want flexibility.
More control.
Less red tape.
Actual affordability.

And sometimes I spend 45 minutes trying to explain a plan that could genuinely help someone, only to realize they’re not really listening because it doesn’t sound like the system they’ve always known.

That’s the hard part.

Not selling.
Educating.

At the end of the day, my job is not to pressure people. My job is to help people understand their options clearly enough to make the best decision for THEIR family.

And sometimes the best decision is staying exactly where they are.

But sometimes… there’s a better fit people don’t even realize exists because nobody ever explained it in plain English.

Healthcare shouldn’t feel this confusing.

05/11/2026

You earned those tax deductions!

If you’re a small business owner and you’re not taking advantage of tax deductions… you are literally leaving money on the table.

A lot of people don’t realize private health insurance premiums are often 100% tax deductible through the business. Meanwhile, marketplace plans got hit hard after those COVID subsidies disappeared. I’m seeing premiums jump $200 to $300 a month for healthy individuals… and they still haven’t even touched their deductible.

That’s the crazy part.

You’re paying all this money every month just to still have to pay again when you actually use the plan.

A lot of private plans now have zero dollar outpatient deductibles. Meaning doctor visits, urgent care, wellness, labs, outpatient services… can start working immediately instead of you getting crushed by a giant deductible first.

Health insurance isn’t one size fits all anymore.

If you’re self employed, own a small business, or 1099, it might be time to actually look at your options instead of auto renewing the same expensive plan every year.

Health is wealth. Protect both.

DM me! Or 📲919-909-2145 #1099

05/07/2026

Oh the pressure 💃

05/06/2026

Walking is one of the most underrated “medicines” on the planet. It’s free, low impact, lowers stress, improves your mood, helps with weight control, improves sleep, helps your heart, lowers blood sugar, and honestly clears your brain better than half the self help books people buy and never finish.

For people with Type 2 diabetes specifically, walking can be a game

Regular walking can help:
• Lower blood sugar levels
• Improve insulin sensitivity
• Reduce insulin resistance
• Help with weight loss/body fat reduction
• Lower inflammation
• Improve circulation
• Reduce blood pressure and cholesterol
• Decrease stress hormones like cortisol

Even a 10 to 15 minute walk after meals can significantly help blood sugar spikes. That’s the part most people ignore because they think they need some extreme bootcamp workout. Meanwhile the simple daily walk quietly changes everything.

Can walking “fix” Type 2 diabetes?

Here’s the truth:
Walking alone usually does not magically cure Type 2 diabetes.

But for many people, consistent walking combined with:
• Weight loss
• Strength training
• Better sleep
• Lowering processed foods and sugar
• Stress management

…can absolutely put Type 2 diabetes into remission or drastically improve it.

Some people lower or eliminate medications under a doctor’s supervision because their lifestyle improved that much.

The catch? Consistency.

Not:
Walking hard for 4 days.
Buying a smartwatch.
Posting gym selfies.
Then disappearing for 3 weeks.

Your body responds to repeated habits.

A solid goal:
• 7,000 to 10,000 steps daily
• Or 30 to 45 minutes most days
• Plus short walks after meals

And honestly? Morning walks are elite.

They help:
• Regulate circadian rhythm
• Improve energy
• Reduce anxiety
• Improve focus
• Set the tone for healthier choices the rest of the day

A lot of people think fitness starts in the gym. For many people over 40, health starts with a walk and a sleep schedule. Healthier people pay lower health insurance premiums
Let’s chat 919-909-2145 if your premiums are high and you are healthy!
Www.hessinsurancesolutions.com

05/04/2026

You do not need a minimum number of employees to get Group health benefits for your small business.

Address

Raleigh, NC

Website

https://calendly.com/hesskimberly

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