Independent Agency · Boise, Idaho · Est. 2005
Your One Stop Shop for All Your Healthcare Needs
For 20 years, Personal Touch Ins. & Benefits has helped Treasure Valley families compare Medicare, health, life, and long-term care coverage — honestly, patiently, and with zero pressure. We do the comparisons so you don't have to.
★★★★★5-star rated on Google
20 YearsServing the Treasure Valley
9 CarriersCompared side by side
6-Point ComparisonEvery option, side by side
CarrieAnne KowalczykNABIP Treasure Valley Legislative Chair
Loved by Treasure Valley familiesReal reviews from real neighbors on Google
Read & Leave Reviews 0
Years serving the Treasure Valley
0
Trusted carrier partners
0
Insurance product lines
0
Idaho focused — local & independent
We Compare Plans From Idaho's Leading Carriers
Blue Cross of IdahoRegence Blue Shield of IdahoSelectHealthPacificSourceMolinaAetnaMutual of OmahaPhysicians MutualManhattan Life
As an independent agency, we work for you — not for any single insurance company. Carrier names are trademarks of their respective owners.
What we do
One Agency. Every Stage of Life.
Whether you're turning 65, between jobs, protecting your family, or planning for retirement — we compare the options and explain them in plain English.
Medicare Advantage
All-in-one Part C plans in Ada, Canyon & Boise counties — many with dental, vision, and $0 premiums.
Explore Medicare Advantage →Medicare Supplement
Medigap plans that fill Original Medicare's gaps — see any doctor who accepts Medicare, nationwide.
Explore Medigap →Medicare Part D
Prescription drug plans matched to your pharmacy and your medication list — reviewed every year.
Explore Part D →ACA / Marketplace
Under-65 health coverage through Your Health Idaho — with tax credits that can dramatically cut premiums.
Explore ACA plans →Life Insurance
Term, whole life, IUL, and final expense — protection sized to your family and your budget.
Explore life insurance →Long-Term Care & More
LTC, annuities, disability, hospital indemnity, dental-vision-hearing, and travel insurance — all under one roof.
See all 15 services →The Personal Touch process
Taking the Confusion Out of Comparisons
CarrieAnne breaks every decision down into six clear comparison areas — so you choose with confidence, not confusion.
Talk It Through
A friendly, no-obligation conversation about your doctors, medications, budget, and priorities. Don't feel pressured or obligated — honest answers are the whole point.
Compare Side by Side
We break your options into six comparison areas and line up plans from nine carriers — so the differences are obvious at a glance.
Choose With Confidence
Once we narrow down the fit, you get a full presentation of your chosen plan — and a local agent who's still here after you enroll.
Why Personal Touch
The Difference an Independent Agent Makes
Truly Independent
We represent 9 carriers, not one. Nobody hands us a quota — so the plan we recommend is the one that fits you.
Zero Cost to You
Our help is free. Carriers pay us the same either way, and your premium is identical with or without an agent.
Local & Real
A real office on Federal Way, and Patricia — a real person — answering the phone. No call centers, no scripts.
The 6-Point Method
Every comparison is broken into six clear areas, so you see exactly how plans differ before you commit.
Year-Round Support
We re-check your drug plan every fall and stay on the phone with carriers so you don't have to be.
Your Advocate
As NABIP's Treasure Valley Legislative Chair, CarrieAnne works with legislators for affordable healthcare access for every Idahoan.
Mark your calendar
When Can You Enroll or Switch?
Insurance runs on windows. Miss one and you could wait a year — or pay a lifelong penalty. Here are the big four.
Oct 15 – Dec 7
Medicare AEP
The Annual Enrollment Period — switch Medicare Advantage or Part D plans for the coming year.
Jan 1 – Mar 31
MA Open Enrollment
Already on Medicare Advantage? You get one switch — or a return to Original Medicare.
Oct 15 – Dec 15
Your Health Idaho
Open enrollment for under-65 ACA coverage on Idaho's own state exchange.
Your Birthday
Idaho Medigap Rule
Idaho's birthday rule lets you switch to an equal-or-lesser Medigap plan each year — no health questions.
Here's the part people don't believe
Expert Help That Costs You Nothing
"Don't feel pressured or obligated to meet with me. If you're seeking an honest comparison — even of the coverage you already have — that's exactly what we do."
— CarrieAnne Kowalczyk, CEO & Licensed Agent
- Our advice is freeCarriers pay us — your premium is the same with or without an agent.
- Second opinions welcomeAlready covered? We'll tell you honestly how your plan stacks up.
- One call starts itPatricia answers, gathers the basics, and books your comparison. 208-350-9933
Meet your local team
Independent. Local. On Your Side Since 2005.
CarrieAnne Kowalczyk has spent 20 years representing multiple companies — which means she works for you, not a carrier. As NABIP's Treasure Valley Legislative Chair, she also works with legislators to fight for easy access to affordable healthcare for every Idahoan.
- Honest comparisons — even if you're already covered and just want a second opinion
- NABIP Leading Producers Roundtable · AHIP & CMIP certified
- A real local office and a real person answering the phone
Client reviews
What Treasure Valley Neighbors Say
5.0
★★★★★
Real Google reviews from real neighbors
"I was unaware that someone like CarrieAnne existed… someone who was an independent practitioner that would give an honest assessment without any association with any insurance company."
"Extremely patient and does a great job explaining the details. I feel confident sending any customer to her, especially retirees — she explains rather than pressures people."
"CarrieAnne, you are wonderful. I loved your patience and helpfulness and way of explaining the different insurance choices."
"Really took the time to find me and my family the health insurance we needed — for a premium we could afford."
Where we serve
Serving All of Idaho — Rooted in the Treasure Valley
Licensed across the state of Idaho, with deep roots in Ada, Canyon, and Boise counties since 2005.
Ada County
Boise, Meridian, Eagle, Kuna & Star — our home base since 2005.
Ada County plans →Canyon County
Nampa, Caldwell, Middleton & the western Treasure Valley.
Canyon County plans →Boise County
Idaho City, Horseshoe Bend, Crouch — with in-person visits available.
Boise County plans →Statewide Idaho
From Coeur d'Alene to Pocatello — we serve every Idaho county by phone.
Statewide service →Quick answers
Questions We Hear Every Week
Does working with an agent cost me anything?
No — nothing, ever. Insurance carriers pay us, and your premium is exactly the same whether you enroll through an agent or on your own. The difference is that with us, someone compared nine carriers first.
When can I change my Medicare plan?
The big window is the Annual Enrollment Period, October 15 – December 7. Medicare Advantage members also get January 1 – March 31, and life events like moving can open Special Enrollment Periods. We'll tell you exactly which window applies to you.
Medicare Advantage or a Supplement — which is better?
Neither is "better" — they fit different lives. Advantage bundles everything with lower premiums and networks; Medigap costs more monthly but works with any Medicare doctor nationwide. Our full comparison guide breaks it down.
Do you serve my part of Idaho?
Yes — we're licensed across the entire state and work by phone from Coeur d'Alene to Pocatello. In Boise County we'll even come to you. See our service areas.
From the blog
Plain-Spoken Answers to Big Insurance Questions
Ready for an Honest Comparison?
Whether you're new to Medicare or want to know how your current coverage stacks up, one friendly phone call gets you real answers — with no pressure and no obligation.