Andrea
Hezeltine Insurance Team

Licensed Insurance Broker — Idaho & Oregon

Your neighbor,
your broker,
your advocate.

Local, licensed, and genuinely invested in finding the right coverage for you and your family — not just selling you a policy.

Licensed in Idaho & Oregon Health & Life Insurance ACA Marketplace Plans Annuities & LTC
Request a Free Consultation See What I Offer
Andrea

About Me

A trusted voice in your corner

I'm Andrea, a licensed insurance broker with the Hezeltine Insurance Team serving clients across Idaho and Oregon. I came to insurance because I believe everyone deserves honest guidance — not just a quote.

Before becoming a broker, I spent 26 years as a Judicial Assistant III with the State of Oregon, managing complex caseloads in juvenile dependency and adoption. That career taught me how to listen carefully, explain complicated things clearly, and advocate fiercely for people navigating difficult situations.

That's exactly what I bring to every insurance conversation. Whether you're shopping for your first health plan, preparing for retirement, or protecting your family's future — I'll help you understand your options and make a confident decision.

26
Years in public service
2
States licensed (ID & OR)
100%
Independent guidance
Local
Treasure Valley roots

What I Offer

Coverage for every stage of life

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Health Insurance

Individual and family health plans tailored to your budget and medical needs. I'll shop the market and explain your options in plain English — no jargon, no pressure.

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ACA Marketplace Plans

Navigating Your Health Idaho or HealthCare.gov can be overwhelming. I specialize in ACA enrollment, tax credits (APTC), and Special Enrollment Periods so you don't leave money on the table.

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Life Insurance

From term policies to permanent life coverage, I'll help you find the right protection to give your loved ones peace of mind when it matters most.

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Final Expense Coverage

Affordable plans designed to cover end-of-life costs so your family isn't left with unexpected financial burdens during an already difficult time.

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Annuities

Create a reliable income stream for retirement. I'll walk you through fixed, indexed, and other annuity options and help you decide what fits your retirement picture.

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Long-Term Care Planning

Preparing for the possibility of needing extended care is one of the most important steps you can take. I help you plan ahead before it becomes a crisis.

What Clients Say

Real people. Real results.

Andrea took time to actually explain every plan option. She found us a health plan that covered everything we needed and saved us over $200 a month. We wouldn't have known without her.

JM
Jennifer M.
Ontario, Oregon

I was so confused about the marketplace and tax credits. Andrea walked me through everything patiently and I finally feel confident I made the right choice for my family.

RT
Robert T.
Fruitland, Idaho

It's rare to find someone who's truly on your side. Andrea treated us like neighbors, not customers. She's earned our trust and our family's business for years to come.

SK
Susan K.
Payette, ID

Common Questions

Answers you actually need

Do I have to pay more to use a broker? +

No — working with me costs you nothing extra. I'm compensated by the insurance carriers, not by you. You get personalized expert guidance at no additional charge.

What's the difference between Idaho and Oregon marketplace plans? +

Idaho runs its own exchange called Your Health Idaho (YHI), while Oregon uses the federal marketplace HealthCare.gov. The available plans and carriers differ between states, which is why having a broker licensed in both is such an advantage if you live near the border.

Can I still get coverage if I missed open enrollment? +

Often yes. Life events like losing a job, getting married, having a baby, or moving can qualify you for a Special Enrollment Period (SEP). Contact me and I'll help you determine if you qualify.

How do ACA tax credits work? +

Advanced Premium Tax Credits (APTC) reduce your monthly premium based on your income and household size. Many people qualify for significant savings they don't know about. I'll help you estimate your credit and apply it correctly during enrollment.

When should I start thinking about long-term care insurance? +

The best time is in your 50s or early 60s, when premiums are more affordable and you're most likely to qualify health-wise. Waiting until you need it is too late — most policies require good health to purchase.

What areas do you serve? +

I serve clients throughout Idaho and Oregon and am licensed in both states. I can meet in person or by phone and video call.

Get in Touch

Let's find the right plan for you

Free, no-obligation consultation

Have questions or ready to get started? Reach out and I'll get back to you quickly. I'm happy to meet by phone, video call, or in person.

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Location
Idaho & Oregon
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Phone
541-212-9097
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Email
andreapat4757@gmail.com
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Hours
Mon–Fri 8:00am–6:00pm  |  Weekends Flexible

Your information stays private and is never shared or sold.