About Us

Experienced Advisors. Personalized Healthcare Solutions.

We believe that navigating healthcare options shouldn't have to be complicated or overwhelming.

Founded by Karen Torsoe in 2014, our practice is built on a commitment to helping individuals, families, entrepreneurs, and businesses make informed healthcare decisions.

Today, Karen works alongside independent healthcare advisor Eric Baird.

Together, we bring years of experience helping people explore alternatives to traditional health insurance and understand how different healthcare solutions may work together.

Our philosophy is simple: Education first. Personalized guidance. Ongoing support.

We believe the best healthcare decisions begin with a conversation, not a sales pitch.

Karen Torsoe - Independent Healthcare Advisor

Healthshare specialist / Healthcare Advocate | Licensed Insurance Agent | Occupational Therapist

Healthcare has been the focus of Karen's entire professional career.

After graduating Magna Cum Laude from Tufts University with a degree in Occupational Therapy, Karen founded and built a multidisciplinary rehabilitation company employing approximately 30 physical, occupational, and speech-language therapists. Her company provided rehabilitation services to skilled nursing facilities, hospitals, and other healthcare institutions.

Following the successful sale of her company, Karen continued pursuing her passion for helping people navigate an increasingly complex healthcare system.

In 2014, while researching alternatives to rising traditional health insurance costs, she discovered healthcare sharing organizations. What began as a personal search for better healthcare options quickly developed into a professional passion and ultimately became The HealthShare Lady.

Since then, Karen has helped more than 1,000 individuals, families, entrepreneurs, and small business employers evaluate and implement personalized healthcare solutions.

Her background as a healthcare professional, business owner, and longtime HealthShare advisor gives her a unique perspective on balancing access to quality healthcare with financial responsibility.

Above all, Karen values the personal relationships she develops with clients and the opportunity to remain a trusted resource long after enrollment.

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Eric Baird is an independent healthcare advisor who helps individuals, families, and business owners make informed decisions about their healthcare.

With nearly a decade of extensive experience in HealthShare memberships and alternative healthcare solutions, Eric helps people understand how traditional insurance, HealthShare programs, Direct Primary Care, telehealth, dental, and other healthcare options may fit their individual needs.

Eric also provides guidance to Medicare-eligible individuals, helping them understand Medicare Parts A and B, prescription drug coverage considerations, Medicare Advantage, Medicare Supplement options, enrollment timing, and available next steps.

He currently assists Medicare clients in states where he is appropriately licensed and authorized: Arizona, Florida, Georgia, Kansas, Michigan, Missouri, Nebraska, North Carolina, South Carolina, Tennessee, Texas, and Utah.

Eric brings valuable experience in strategic partnerships, healthcare education, and personalized member care.His approach is straightforward: listen first, explain the choices clearly, and help each person identify a thoughtful path forward.

Working alongside Karen, Eric offers access to the same core HealthShare solutions and healthcare resources while maintaining his own client relationships and providing dedicated, ongoing support.

Schedule a call or zoom with Eric

Our Personalized Approach

No two families are alike. No two businesses are alike.

That's why we believe healthcare shouldn't be one-size-fits-all.

We take the time to understand each client's healthcare priorities, financial considerations, physicians, medications, and anticipated healthcare needs before exploring possible solutions.

Depending on your circumstances, this may include HealthShare memberships, Direct Primary Care (DPC), Health Savings Accounts (HSAs), Minimum Essential Coverage (MEC), dental and vision memberships, or other programs that complement one another.

Our goal isn't simply to help you choose a program. It's to help you understand why it may be the right choice for you.

More Than an Enrollment

Our relationships with clients don't end when they enroll.Healthcare needs change over time. Families grow, businesses evolve, and unexpected medical situations arise.

We believe in being available when questions come up, helping members understand their programs, and providing guidance as circumstances change.

Whether you work with Karen or Eric, you'll have a dedicated advisor who values your trust and is committed to providing personalized, ongoing support.

Let's Talk!

Whether you're an individual, a family, self-employed, approaching Medicare eligibility, or exploring healthcare solutions for your business, we'd welcome the opportunity to help you understand your options.

Choose the advisor you'd like to speak with and schedule a 1:1 Discovery Zoom or Phone Call