Insurance Yeti Introduces Free 7-Point Exposure Review for Families Facing High Premiums and Deductibles.

ORLANDO, FL / ACCESS Newswire / November 3, 2026 /Insurance Yeti, a Florida-based health and life insurance agency, has launched the 7-Point Exposure Review, a free plan review for individuals and families seeking a clearer understanding of their health coverage and costs.

Licensed agents evaluate a family 's current health plan across seven areas of potential financial exposure, then compare alternative options using the same criteria. If the current plan fits the household 's needs, a change may not be necessary. If the review reveals gaps, the agent explains what they mean and how the family could address them.

The agency 's approach starts with a simple question: Does the plan fit the family 's needs and budget? A high monthly premium alone does not answer that question.

**The financial stakes can be significant. In a published study, roughly two-thirds of surveyed bankruptcy filers said medical expenses or illness-related work loss contributed to their bankruptcy.**¹ The Commonwealth Fund 's 2024 survey found that 57% **underinsured adults had forgone needed care because of cost.**² **In KFF 's 2022 survey, about four in 10 U.S. adults reported having health care debt.**³

"Families tell us they have good insurance because of how much they pay or because the agent told them so, " said Wes Baiz, CEO of Insurance Yeti. "Then we take their plan through all seven exposure areas, and almost every time we find at least one gap that would leave them with a bill they can 't or don 't want to pay. We want every family to find those gaps and plug them before it hurts them "

If families want traditional health insurance, they can get it through Insurance Yeti. But the agency can also put together a more custom approach: coverage for major expenses, like hospital stays and serious illness, while the family pays cash for smaller, routine visits. For some families, the savings on monthly premiums can more than cover those smaller bills, leaving more money in their pocket.

How the review works

The review takes two phone calls with a licensed Insurance Yeti agent. There is no cost and no obligation to change your plan or buy anything.

1. Discovery call (first call): The agent learns about the household 's needs, current doctors, prescriptions, budget, and existing coverage, along with any other priorities that could affect the choice of plan.
2. 7-Point Exposure Check: After the call ends, the agent uses that information to assess the family 's current plan across seven areas of potential financial exposure, identifying gaps that could lead to unexpected costs.
3. Plan search: The agent then compares the Marketplace and every private plan option available to that household on the exposure areas they 're missing, alongside the monthly premium.
4. Review call (second call): The agent walks the family through the findings and compares the leading options side by side with the family 's current coverage.
5. Ongoing check-ins: If the household chooses the new plan, the team stays in touch after coverage begins and as the family 's needs change.

One family 's review

One recent Insurance Yeti client, whose name is withheld for privacy, was paying $1,800 a month for family coverage with a $12,000 deductible. The exposure check identified the deductible as the family 's biggest exposure. After the review, the agent helped the family select a plan that cost $1,200 a month, a savings of $7,200 a year in premiums. And because of how the new coverage is set up, insurance also covers the family 's deductible if something happens.

(Individual results vary based on household, location, health history and plan availability.)

Families can book a free 7-Point Exposure Review at www.insuranceyeti.com.

About Insurance Yeti

Insurance Yeti is a licensed insurance agency headquartered in Orlando, Florida (agency license #22087564). Founded in early 2026 by CEO Wes Baiz and CMO Mike Fisher, the agency helps individuals and families explore health and life insurance options. Its licensed agents work one-on-one with each client to match coverage to the household 's needs, priorities and budget. The company 's approach is guided by the belief that insurance should serve people, not profit margins. Learn more at www.insuranceyeti.com.

Sources

¹ Himmelstein DU, Lawless RM, Thorne D, Foohey P, Woolhandler S. "Medical Bankruptcy: Still Common Despite the Affordable Care Act. " American Journal of Public Health, February 2019. doi:10.2105/AJPH.2018.304901. Survey of 910 bankruptcy filers, 2013 to 2016.

² Collins SR, et al. Commonwealth Fund 2024 Biennial Health Insurance Survey, published November 21, 2024. Sample of 8,200 adults ages 19 to 64; figure describes underinsured adults.

³ KFF Health Care Debt Survey, June 2022.

Media Contact: Mike Fisher
Title: Chief Marketing Officer (CMO)
Company Name: Insurance Yeti
Website:https://insuranceyeti.com/
Email: mike@insuranceyeti.com
City: Orlando
State: Florida (FL)
Country: United States

SOURCE:Insurance Yeti

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