Health coverage isn’t one-size-fits-all. Francy takes the time to understand your needs, priorities, and circumstances before helping you explore options that fit your life.
“A super expert when it comes to healthcare coverage…”
Dr. Tandy Tipps
“I believe choosing the right health insurance begins with careful listening and honest communication. Your health, family, and budget deserve personalized attention and respect.”
— Francy Mitchell
Customized plans designed around your needs, priorities, and budget — not a one-size-fits-all policy.
Learn moreA plan with freedom, built around your personal and professional needs — whether you’re a consultant, freelancer, contractor, or independent professional.
Learn moreFor yourself, your family, your employees, or a combination — compare plans and decide with confidence, aligned to your business and budget.
Learn more
Your health needs, priorities, budget, and circumstances are unique to you. Whether you’re starting a new job, leaving an employer, or simply exploring your options, your situation deserves individual attention.
Understanding your circumstances, concerns, priorities, and goals is the first step toward coverage that makes sense.
There isn’t one solution for everyone. Francy helps you explore options, understand the differences, and consider what fits.
No matter what life has thrown at you, you and Francy work together to make a plan that actually works.
When the plans all blur and the fine print strains,
And every option starts to look the same,
We sit with you, listen, and clear the haze —
A plan that fits your life, not just your days.
From uncertainty to steady ground,
Where honest answers and your budget are found,
A peace you can hold, a choice made well —
This is the assurance of Ask Francy.
Independent advisor
“Navigating health coverage can feel overwhelming. Francy takes a personal, flexible approach — and her goal is to build long-term relationships as your life and coverage needs change.”
From careful listening to a clear understanding of your circumstances, Francy helps you explore options and tradeoffs so you can choose a direction that fits — and stay covered for the long term.
Meet FrancyYou don’t have to figure this out alone. Francy will walk you through your options in plain language, so you can choose with confidence.
Your situation and budget come before any plan is mentioned.
Options laid out side by side in plain language — no fine-print surprises.
A direction that fits your life, not a one-size-fits-all policy.
A steady resource as your life and coverage needs change.
No matter what kind of business you have, we can help you find the right coverage for your people.
Thin margins, hourly teams, and owners who are often the last to get covered.
Learn moreCrews built on 1099 contractors and shifting job sites, where a lapse in coverage is common.
Learn moreDoctors and dentists who understand care deeply — and still deserve honest guidance on their own coverage.
Learn moreSolo lawyers, accountants, and consultants leaving corporate benefits for the first time.
Learn moreAgents and brokers who are 1099 — with commission income and no employer plan.
Learn moreSmall teams where the owner is often the only person without coverage.
Learn moreOwner-operators and small fleets with drivers on the road across state lines.
Learn moreStylists, estheticians, and wellness pros who rent booths and work for themselves.
Learn moreFounders and early teams focused on the product — not on navigating health benefits.
Learn moreMission-driven organizations with small staffs and careful budgets.
Learn moreHear from people Francy has personally helped navigate their health coverage options.
“I had the best experience working with Francy Mitchell to obtain PPO medical coverage. She is wonderful to work with, a super expert when it comes to healthcare coverage and very considerate of my needs as a customer. I highly recommend contacting her if you have healthcare coverage needs!”
Dr. Tandy Tipps
Client
“Leaving my firm and starting my own was stressful enough without having to worry about health insurance for my family too. I assumed COBRA was my only option, but Francy found me an independent PPO plan with better benefits at almost a third of the cost. She genuinely cared about getting it right for me, and I felt that every step of the way. I can’t recommend her enough.”
Vicky F.
Founder, Madsi Advisors
“Getting my own plan was quick and simple from start to finish. I ended up with coverage that fits what I need, and the whole thing was easy. Really happy with how it turned out. I’d recommend the experience to anyone.”
Joseph
Client
Four steps, no pressure. Francy’s process is built around listening first and deciding together.
There’s no one-size-fits-all in health coverage. Francy begins by listening — your situation, your priorities, your budget, and what matters most to you.
Francy explains the plans available to you in plain language — the differences, the tradeoffs, and what fits your life — so you can decide with confidence.
You never feel pushed. Francy helps you weigh each option against your own needs and budget, then supports the choice that’s right for you.
The relationship doesn’t end at enrollment. As your life and coverage needs change, Francy remains a resource you can return to year after year.
Francy is an independent health insurance advisor. She takes the time to understand your needs, priorities, and circumstances, then helps you explore and compare coverage options — so you can choose a plan that fits your life, not a one-size-fits-all policy.
A carrier sells one company’s plans. Francy is independent, so she can help you compare options across the market in plain language — and she’s accountable to you, not to any single insurer.
Typically no. Independent advisors are compensated by the carriers, so the premium you pay is the same whether you enroll with help or on your own. Francy confirms the specifics during your call.
She focuses on personalized health coverage — including private PPO plans — for individuals, families, the self-employed, and small business owners.
Yes. Francy treats your health and financial information with care. For your own protection, please don’t share sensitive medical details or Protected Health Information (PHI) before your private call.
The easiest way is to book a free consultation or text Francy at (713) 569-5553. You’ll talk through your situation and get a clear picture of your options.
Still have a question?
Francy is happy to answer anything in a free, no-pressure conversation.
Everyone’s situation is different. Start with a free, no-pressure conversation about your health coverage needs.
