An advisory practice, not a call centre

Rosalía started Harborlight after fourteen years inside two large carriers, where she spent most of her time explaining to people why the plan they had been sold did not do what they had been told it would do. The pattern was always the same. Nobody had asked for their prescription list. Nobody had checked their cardiologist. Somebody had led with a premium.

The practice is built to make that impossible. Every appointment starts with two lists, doctors and prescriptions, before any plan is named. Nothing is recommended until both lists have been run against the actual plan documents. If the honest answer is that the plan you already have is the right one, that is the answer you get, and the appointment ends with nothing sold.

We are independent. We are not employed by, owned by or captive to any single carrier, and we are not paid more to place one carrier over another on the same line.

Our guidance is provided at no cost to you. We are compensated by the carriers whose plans we place, never by the people we advise. That is not a promotion and it does not expire. Carrier compensation is built into the filed premium, which means the plan costs exactly the same whether you enrol through us, through a different agent, or entirely on your own. What differs is whether anyone checked your cardiologist first.