Stop Overpaying for Medicare. Discover the $0 Premium Plan You Control.
Navigating Medicare is confusing. I help enrollees unlock Medicare Medical Savings Accounts (MSAs)
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$0 Monthly Premiums
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Total Freedom
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Unbiased Advice
A genuine win-win: cut cost and risk — without transferring the burden to beneficiaries.
Why work with Donal
Why should Donal be your advisor?
Choosing Medicare coverage is one of the biggest financial decisions you’ll make. Here’s why clients have trusted Donal with it since 1997.
25+ years of experience
Donal has represented individuals, families, and small businesses since 1997.
Independent & unbiased
With access to dozens of top carriers, Donal works for you — not the insurance company.
No extra cost to you
Insurance premiums are regulated by law, so expert guidance costs nothing more than going direct.
Certified expertise
ACA Certified (HealthCare.gov), AHIP Certified (Medicare.gov), and a Compass Certified Agent.
Local, ongoing support
A real local advisor for billing questions and annual reviews — never a 1-800 number.
A wise plan approach
Donal treats your coverage as one piece of a smart, long-term financial strategy.
The plan at the center
Two ways to win with a Medicare MSA.
The Medicare Medical Savings Account is the plan Donal specializes in — and it works for individuals and organizations alike. Choose your path to get started.
What is a Medicare MSA?
A Medicare Medical Savings Account (MSA) is a type of Medicare Advantage plan with a $0 monthly premium. Each year, Medicare deposits money into a savings account that’s yours to spend on care. You can see any doctor that accepts Medicare — no networks, no referrals, and no prior authorizations.
For Individuals & Families
A $0-premium Medicare plan that deposits money into your account each year — keep your own doctors, skip the referrals.
See My MSA OptionsFor Employers, Associations & Chambers
Sponsor the MSA as a group benefit at $0 cost — no ERISA, no medical risk, no-effort enrollment for your members.
Explore Group SponsorshipNot sure which fits? Schedule a 15-Minute Intro Call
For Individuals & Families
Predictable costs, total freedom
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$0 premium + annual deposit
A $0 monthly premium, and Medicare deposits money into your medical savings account each year to spend on care.
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Keep your own doctors
See any Medicare-participating provider — no referrals, no prior authorizations, no network to navigate.
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Less red tape
No referrals and no prior authorizations. You stay in control of your care.
For Employers, Associations & Chambers
A no-cost, no-risk member benefit
$0 cost to offer
Extend a meaningful Medicare benefit with no ongoing cost tied to medical risk or utilization.
Not subject to ERISA
No ERISA exposure and no-effort enrollment and renewals for your organization.
No medical-risk exposure
Offer real value to your members without taking on cost or insurance risk.
Flexible & additive
Offer it alongside current benefits — with options to contribute toward member costs.
Backed by trusted carriers
The MSA plan Donal recommends is offered through Fenyx Health Group, and is also available under the Select Health and EMI Health names.
What clients say
Trusted on both sides
“Donal is a great guy, he went above and beyond to find the best fit for me. I will definitely call him again. Thanks Donal!”
“Donal helped me find a health plan that fits my needs and is very affordable! He made it pretty easy to understand.”
“I worked with Donal Smith and he was very helpful showing me the options and taking care of the transition.”
Individuals & employers welcome
Ready to take the next step?
Whether you’re an individual or an organization, start with a free 15-minute intro call. No cost, no obligation.