krainity
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WITHOUT HEALTH, WE HAVE

NOTHING

Escape the broken system — step into private healthcare
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Why Us

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Individual | Family

Compare individual or family options. Usually there are two ways to get a good coverage based on your income or based on your health

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Group | Employee

Group plans are offered from employer. If you are a business owner please, contact us to set up a free consultation and find the best fit!

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Accidental

Accidental coverage provides financial relief when unexpected injury cost occur. This type of policy works in addition to your primary policy

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Dental | Vision

Did you know that the average cost for dental crown is $1500? Routine dental and vision check up can protect you from large expenses

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Telehealth | 24/7

Save a trip to the doctor office. Licensed doctor over the phone or video chat 24/7 for common minor health issues, flu symptoms, infections, skin, etc..

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Telehealth | 24/7

Save a trip to the doctor office. Licensed doctor over the phone or video chat 24/7 for common minor health issues, flu symptoms, infections, skin, etc..

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About us

Navigating insurance can feel overwhelming, and I totally get that. As a licensed insurance expert with a Law degree, I’m here to cut through the confusion and make it straightforward for you. Originally from Ukraine and now based in Florida, I work with individuals, families, and business owners to find coverage that’s tailored to your needs—no guesswork, no stress. Coming from a war-torn country, I understand firsthand how important it is to secure and protect our health and life. Living in Ukraine, I felt this deeply, and when I arrived in the US without insurance coverage for some time, I experienced anxiety about not having a reliable health plan and being financially exposed to risks. That’s why I named my company Krainity—a combination of Ukraine and Serenity. Having experienced the challenges of living in a conflict zone, I want my clients to have infinite peace of mind. I feel that reliable insurance coverage is key to achieving that peace. In order to give you healthy expectations about how I do my business, let me explain that I don’t just sell policies or put people in the situation. Working with me is more about having open and honest conversation between adults to see what’s going on in your insurance situation, what you want to see differently about it. Whether you’ve got a current plan that needs a second look or you’re starting fresh, I’ll find options that save you money and get you better coverage. I am a religious person, and I believe in serving and helping others. That’s why my work is part of my spiritual practice and service — to put you in a better situation in life, both health-wise, financially, and mentally. My legal experience allows me to dive deep into the details—policies, terms, benefits—so I only recommend what’s reliable and right for you. I do the homework before we even sit down, because your trust matters to me. If you want insurance that goes beyond a policy—one that brings true peace of mind, protection, and financial confidence, I am here for you.

our services

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Telehealth | 24/7

Access a licensed doctor via phone or video chat 24/7 for common health issues, flu symptoms, infections, skin concerns, and more.

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Dental | Vision

Did you know a dental crown can cost an average of $1,500? Regular check-ups can help you avoid unexpected expenses. Skip the trip to the doctor's office.

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$0 Deductible Options

Some plans offer no deductibles, allowing you to access covered benefits right away without paying upfront costs. Let’s find out if you qualify for 0$ deductible options?

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Accidental

Accidental coverage provides financial relief when unexpected injury costs arise. This policy complements your primary coverage, offering additional protection.

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Group | Employee

Group plans are typically offered through employers. There are coverage options specifically tailored for business owners. Get in touch with us to find perfect fit!

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Individual | Family

Compare individual or family options. Generally, there are two ways to secure good coverage—through your income or your health.

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Networks

PPO, HMO, or EPO... which one is right for you? The best choice is the one that offers more flexibility—like PPO.

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100% Tax Write-Off

As a self-employed individual or business owner, you could potentially write off 100% of your health insurance premiums!

Reviews

Josh Minder
07/03/2025
I recently was helped by Yurii through a process I had no idea what options were best. Yuri is not only knowledgeable and helpful but it’s just an overall great guy. He made everything smooth and easy.
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Bohdan Klymenko
05/02/2025
Great knowledge, great professional, great person! recommend 100%
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Diana Amaya
31/01/2025
I recently had the pleasure of working with Yurii, and I cannot speak highly enough about the experience. From our very first interaction, Yurii demonstrated exceptional professionalism, knowledge, and a genuine commitment to helping me find the best health insurance plan to suit my needs. Thank you for your outstanding service and for making this process so seamless and positive!
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13:01
Roberto Zig Garcia
01/01/2025
Very knowledgeable. Made the entire process smooth and easy. Would highly recommend Yurii!
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21:00
Artem Frolov
13/01/2025
Хочу висловити щиру подяку Юрію за його професіоналізм у наданні страхових послуг. Юрій завжди на зв’язку, навіть поза звичайними робочими годинами, і його відповіді завжди оперативні, змістовні та справді корисні. Він швидко реагує на всі мої запитання, яких у мене було чимало, і видно, що щиро зацікавлений у допомозі. Я надзвичайно задоволений таким високим рівнем сервісу в США. Дякую, Юрію, за вашу роботу!
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09:09
Sirajul Jackson
07/01/2025
George is an absolute professional! I was provided with the highest level of expertise and options. Thank you, George. I now have "peace of mind".
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Licenses

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FAQ

Will I Qualify for Private Health Insurance?
You don’t have to be an Olympic athlete, but if you’re in relatively good health, you should be a strong candidate. Of course, individual considerations will be made, but if you don’t have major pre-existing conditions like cancer, heart attack, stroke, or diabetes, a private plan may be a great fit for you!
I Have a Pre-Existing Condition—What’s the Best Option for Me?
Public insurance or employer-sponsored group plans are often the best choices for individuals with pre-existing conditions. If you take medications, always check the Rx benefits to ensure your plan covers them properly. Also, verify that your doctors accept your plan to avoid unexpected costs!
Does It Have to Be "Open Enrollment" to Sign Up for Private Insurance?
This only applies to Marketplace/ACA/Obamacare plans and employer-sponsored plans. Private plans are available year-round! There are no restrictions on when you can enroll or cancel a private plan, giving you flexibility to secure coverage whenever you need it.
Short-Term Health Plans
These plans are meant for temporary coverage, but we strongly recommend avoiding them if possible. It's best to secure a plan that won’t leave you financially exposed—even for a month or two.
Isn’t Private Health Insurance Really Expensive?!
It’s much more affordable than you might think! Since private healthcare rates are based on health rather than income, those who qualify often get lower prices and better benefits. Most clients save anywhere from $1,200 to $3,600 per year!
What Are the Biggest Differences Between ACA/Obamacare, Employer Coverage, and Private Health Insurance?
- ACA/Obamacare – Ideal for those with pre-existing conditions or needing maternity coverage. It’s affordable if you qualify for government subsidies, but without assistance, it can be extremely expensive. These plans typically have high premiums and high deductibles since they accept everyone regardless of health. - Employer Coverage – Great for employees because employers legally cover at least 50% of the premium. However, they are not required to contribute to family add-ons, making coverage for dependents significantly more expensive. - Private Health Insurance – Medically underwritten, meaning you must qualify based on health. Because you're in a lower-risk pool, you get lower premiums, better coverage, and preferred rates, making it a more affordable option for those who qualify.
Can I Cancel My Plan Anytime?
Absolutely! There are no long-term contracts for health insurance, except for employer-sponsored coverage. Both public and private health insurance plans can be canceled at any time.
Will Private Plans Cover Me Anywhere I Go?
Yes! Private plans provide nationwide coverage—on and off the job. Since they operate on major PPO networks, you’re not restricted to a specific county or state like many other plans. No matter where you go, you’re covered!
Deductible vs. Max Out-of-Pocket
Deductible – The amount you must pay for healthcare services before your insurance starts covering costs. After meeting your deductible, you share the cost with your plan through coinsurance or copayments. Out-of-Pocket Maximum/Limit – This is the highest amount you will pay for covered services in a plan year. Once you hit this limit through deductibles, copayments, and coinsurance for in-network care, your health plan covers 100% of your covered benefits. Generally, any expenses you pay toward your deductible also count toward your out-of-pocket maximum.
Have a Question Not Listed Above?
If you have a question that isn’t addressed here, feel free to reach out to us. We’re here to help!

The Best Health Insurance for You and Your Family

  • Flexible insurance plans
  • Individual and family approach
  • Access to trusted medical networks
  1. Affordable rates
  2. Transparent conditions
  3. 24/7 support

Why Choose Us?

Health insurance is not just a policy but your protection against unforeseen expenses. We offer insurance programs tailored to your needs, giving you confidence and peace of mind.

How to Choose the Perfect Insurance Plan?

Choosing health insurance can be complex, but we simplify the process. We help you select a plan based on your budget, needs, and current health condition.

What Services Are Covered by Insurance?

We offer a wide range of services:

  • 24/7 access to doctors via telemedicine
  • Coverage for dental and vision services
  • Zero-deductible programs
  • Protection against accidents and injuries

How to Save on Insurance?

  • Choose programs with tax deductions
  • Compare individual and family plans
  • Learn about available discounts and special offers

Our mission is to provide you with insurance that ensures not only financial protection but also peace of mind for your health and well-being.