# Does BNW Offer Health Insurance? (And What We Do Instead)
Short, honest answer: no — BNW Services LLC (dba InsureToday24) does not sell health insurance. No major medical, no ACA marketplace plans, no Medicare products. That's a common question, and we'd rather give you a straight answer than have you spend time expecting something we don't offer. Here's why we made that choice, what we *do* cover, and where to turn for the health coverage we can't provide.
So BNW really doesn't write any health insurance?
Correct. Health insurance is a specialized field with its own enrollment periods, provider networks, subsidy rules, and compliance requirements. We deliberately focus on the lines we can do exceptionally well rather than dabbling in a line outside our expertise. When you ask us about health coverage, we won't improvise or hand you a "plan" — we'll tell you honestly it's not what we do and point you the right way. This honesty is a core part of how we operate, described in Lines of Authority — What Your Agent Is Licensed to Sell.
What lines does BNW actually write?
We're a licensed independent agency serving Missouri, Kansas, and our broader region, and we write:
- Property — homeowners, renters, landlord/dwelling, mobile and manufactured homes
- Casualty and auto — personal auto, commercial auto, general liability
- Life — term, whole, final expense, indexed universal life, and annuities
- Farm and crop — coverage for agricultural operations
- Commercial — business owners policies, workers' compensation, and more
- Trucking — motor-carrier coverage
- Umbrella — extra liability protection above your other policies
Because we're independent, one agency can shop all of these across multiple carriers for you. See FAQ: Auto and Home Insurance and FAQ: Life and Commercial Insurance.
Isn't life insurance the same as health insurance?
No — they're different products for different purposes. Life insurance pays a benefit to your loved ones when you pass away; it's about protecting the people who depend on you financially. Health insurance pays for your medical care while you're living. We write life insurance and annuities; we do not write health insurance. If you're weighing how much life coverage makes sense, see How Much Life Insurance Do I Need?.
What about final expense — is that health coverage?
No. Final expense is a type of life insurance designed to cover end-of-life costs like a funeral and burial. It's part of our life lineup, not health insurance. See Final Expense Insurance.
Where should I go for health insurance?
You have good, legitimate options, and we're happy to point you toward them:
- The federal Health Insurance Marketplace at HealthCare.gov, for individual and family major-medical plans and any subsidies you may qualify for.
- Medicare's official site at Medicare.gov, if you're 65+ or otherwise eligible.
- A licensed health-insurance specialist or broker, who focuses on health the way we focus on property, casualty, life, and commercial lines.
- Your employer's HR, if group coverage is available through work.
We'll never steer you wrong by pretending to cover this — we'd rather send you to the right expert.
Can Lucy help with health questions?
Lucy, our AI receptionist, is honest about our lines. If you ask her about health insurance, she won't try to quote it — she'll let you know it's outside what BNW does and point you toward resources like the ones above. That's by design; see How We Use AI and Keep a Licensed Human in the Loop.
What if I need help with everything *except* health?
That's exactly our wheelhouse. Car, home, farm, business, trucking, life, umbrella — call or text (573) 594-5148, and we'll shop the carriers we represent to fit your needs. Start any time at insuretoday24.com.
References
- HealthCare.gov (federal Health Insurance Marketplace) — https://www.healthcare.gov
- Medicare (official U.S. government site) — https://www.medicare.gov
- Insurance Information Institute (III) — https://www.iii.org
- Missouri Department of Commerce & Insurance — https://insurance.mo.gov
- Kansas Insurance Department — https://insurance.kansas.gov
Related
- Lines of Authority — What Your Agent Is Licensed to Sell
- Which States BNW Services Is Licensed In (and What We Don't Sell)
- FAQ: Life and Commercial Insurance
- Final Expense Insurance
- How We Use AI and Keep a Licensed Human in the Loop
Watch
- The difference between life insurance and health insurance — search: "life insurance vs health insurance difference explained"
- How to shop for health insurance on the marketplace — search: "how to buy health insurance marketplace healthcare.gov explained"