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About Us

At Low-Cost Health Coverage, we believe healthcare should be simple, compassionate, and accessible to everyone, no exceptions.

A company that puts people first

Low-Cost Health Coverage began with a simple idea: everyone deserves access to healthcare they can understand and afford. After years of seeing people struggle with overpriced insurance, confusing fine print, and cold, one-size-fits-all service, our founder, Scott Zimmerman, knew there had to be a better way.

Inspired by his own experiences as both an agent and a consumer, Scott set out to build something different, a company that puts people first, simplifies the process, and removes the stress from choosing coverage. That’s how Low-Cost Health Coverage was born: out of the belief that compassion, clarity, and cost should all be part of the same plan.

Get started

Years of earning trust

Since launching, we’ve evolved to offer more than just health plans. Our partnership with Impact Health, a trusted leader in member-focused care, has helped us expand into Medicare, life insurance, final expense, and long-term care coverage.

We’ve helped thousands of individuals, families, and self-employed professionals get the protection they need, without the overwhelm. Our process is fast. Our answers are clear. And our commitment is always to you.

25,000+

We’ve helped over 25,000 individuals and families find affordable health, life, and Medicare coverage that fits their needs and budget.

15+

Led by licensed agents with over 15 years in the industry, we bring knowledge, compassion, and clarity to every conversation.

10,000+

From health insurance to final expense coverage, we've helped more than 10,000 families feel secure about their future.

2,500

We work with entrepreneurs, freelancers, and self-employed professionals to simplify coverage and reduce out-of-pocket costs.

98%

Our clients trust us for friendly, no-pressure guidance. With a 98% satisfaction score, we’re proud to serve, and keep serving you.

Need help choosing low-cost health coverage?

We make it easy. In just a few steps, we’ll show you low-cost plans for life insurance, long-term care, Medicaid help, Medicare extras, final-expense coverage and more, based on your priorities.

Get a personalized recommendation

Our core values

People over profits

We exist to serve, not to sell. Every decision we make prioritizes the well-being of the individuals and families we support.

Affordability for all

Health coverage that cares for you and your budget. We’re committed to offering the lowest-cost coverage possible for every stage of life, without compromising on value.

Clarity in

every conversation

Healthcare shouldn’t be confusing. We speak plainly, explain thoroughly, and empower our members with honest, easy-to-understand information.

Support you can count on

You’re never just a number. Whether it’s choosing a plan or managing your care, we provide real human support when and where you need it.

Access without barriers

We believe everyone deserves access to health, life, and long-term care, regardless of age, income, or background. Plans made to match your lifestyle, your care, and your wallet.

Trust through transparency

No hidden fees. No surprise bills. No fine print games. Just reliable, upfront guidance you can trust.

Care for every chapter

From your first doctor visit to final-expense planning, we offer coverage that evolves with your needs and honors every stage of your life journey.

Our Mission

To deliver accessible, affordable, and people-first coverage options that empower individuals and families to take control of their health and financial future without the confusion, high costs, or limitations of traditional insurance.

At Low-Cost Health Coverage, we’re driven by a deep belief that every person deserves access to meaningful care regardless of income, age, or circumstances. That’s why we offer a wide range of budget-friendly options, from health and life insurance to Medicare, Medicaid support, long-term care, and final-expense coverage.

In partnership with Impact Health Sharing, our mission is to simplify the healthcare journey by providing real human support, clear choices, and transparent pricing—so our members never feel alone, overwhelmed, or overlooked.

We are here to reduce the stress, remove the barriers, and restore trust in how healthcare coverage is delivered.

Our Vision

To build a future where healthcare coverage is no longer a privilege, but a reliable and affordable right for every American.

We envision a healthcare system where:

• Get the care your family needs, with protection for your finances.

• Seniors can age with dignity, not debt.

• Young adults can start their lives covered and confident.

• Individuals with limited income or special circumstances aren't left behind.

In this future, Low-Cost Health Coverage becomes a national model for ethical, inclusive, and transparent care—offering smarter alternatives to traditional insurance, built with empathy and fueled by purpose.

Our vision is not just about policies. It’s about people living longer, healthier, and more secure lives—because they finally have coverage they can understand, afford, and trust.

Meet the Team of Professionals

Scott Zimmerman

Scott leads Low-Cost Health Coverage with a clear mission: to make quality insurance simple, affordable, and accessible for everyone. With years of experience and a heart for service, he brings a people-first approach to everything he does ensuring every individual feels supported, informed, and protected.

CEO & Founder, Licensed Insurance Agent

Gary Howarth

Known for his friendly, no-pressure guidance, Gary helps clients confidently explore their coverage options. He’s committed to making sure each person gets the care, clarity, and support they deserve—every step of the way.

Licensed Insurance Consultant

Liam Carter

Liam takes pride in helping people find coverage that truly fits. Whether it’s health, life, or Medicare plans, he listens first, explains clearly, and always puts your needs at the center of the conversation.

Licensed Insurance Consultant

Noah Mitchell

Professional, approachable, and patient, Noah is here to simplify insurance. He’s dedicated to guiding individuals and families through every decision with honesty, compassion, and expert knowledge.