Individual & Group Health
ACA marketplace and employer group plans, compared side by side. Certified with Pennie, Pennsylvania’s health insurance marketplace.
Independent broker · Northampton, PA
Not all insurance brokers are equal
Independent, no-cost guidance on health, Medicare, life, home and business coverage for families and businesses in Northampton, the Lehigh Valley, and across Pennsylvania.
- Free to you, always
- Certified with Pennie
- 15+ years in the industry
Independent broker
Never tied to a single carrier
15+Years of experience
On both the carrier and the client side of the table.
$0Cost to you
Carriers pay the broker. Our guidance is always free.
100%Independent & local
We quote across carriers, never for just one.
Coverage lines
Insurance services for the Lehigh Valley
One independent broker, quoting across carriers, so the plan fits you and not the other way around.
- Medicare
- Pennie
- Life
- Vision/Dental/Hearing
- Group Health/Life
- Home/Auto
Life Insurance
Protection matched to what your family actually needs, not a one-size policy off the shelf.
Medicare
Medicare options across Pennsylvania, explained in plain English and compared for your doctors and prescriptions.
Commercial Insurance
Coverage for Lehigh Valley businesses and property owners, quoted across commercial carriers.
Personal Lines
Home, auto and everything you tow or float, bundled where it saves you money. Quoted across carriers.
Indemnity Plans
Supplemental plans that pay a fixed cash benefit directly to you for specific services, regardless of actual cost. They are one way to help with out-of-pocket expenses.
Why choose us
A broker on your side of the table
Expert Guidance
Our experienced agents work closely with you to understand your unique needs and offer the best possible coverage.
Tailored Solutions
We provide personalized insurance solutions that cater to your specific situation, ensuring you only pay for the coverage you need.
Affordable Rates
We’re committed to helping you find the best coverage at the most competitive rates available.
The team
A family agency in Northampton
Eric Balut
Founder & CEO
In the insurance industry since 2010. He started at Liberty Mutual with home, auto and life, then grew a startup Farmers Insurance agency, then managed the Highmark Direct office in Easton, where he built deep Medicare and individual-health expertise. He left Highmark to open an independent agency with his son, and continues serving his established Medicare clientele while expanding into individual plans through Pennie, Pennsylvania’s official health insurance marketplace.
Cooper Balut
Intern
The second generation of the agency. Cooper studies International Relations with a Spanish minor at Seton Hall University, with three semesters of operations experience interning at NJ Transit. He brings energy and a global mindset to the family business.
Client words
What clients say
Medicare felt completely overwhelming until I sat down with Eric. He explained every option clearly and patiently and helped me pick the right plan. I recommend him to everyone.
I was confused by all the ACA options. He explained the plans, checked my subsidy eligibility, and walked me through enrollment step by step. I ended up with a plan that fits my budget and my needs.
On Google
Read the reviews on Google
Our Google Business profile carries reviews from clients across the Lehigh Valley, published by Google rather than chosen by us. Read them there, and add yours if we have helped you.
Contact
Get a free quote in Northampton, PA
Tell us what you need covered and we’ll compare your options. No fee, no obligation. Serving Northampton, the Lehigh Valley and all of Pennsylvania.
October 1Start shopping for plans
Our suggestion: begin comparing plans on October 1, before either enrollment window opens. Next year's plans are largely published by then, and starting early leaves time to check that your doctors and prescriptions are still covered.
October 1 is a suggestion from us, not a deadline. The deadlines that matter are set by Medicare and by Pennie: Medicare Open Enrollment runs October 15 to December 7, 2026, and Pennie's runs November 1, 2026 to January 15, 2027.
EmailEricInsurance80@gmail.com
OfficeNorthampton, Pennsylvania
GoogleReviews & business profile (opens in a new tab)