Allyson Carlstrom
Leadership · Licensed Advisor
Individual Health Insurance
Leads our individual health insurance practice — helping members compare Marketplace and off-exchange plans with confidence.
Every member at Stone Health is paired with a dedicated advisor — not a call queue. These are the licensed humans on the other end of the line.

Founder & CEO · Stone Health Insurance Specialist
For more than two decades, Heather has helped families and individuals navigate health insurance, Medicare, life insurance, and special-needs coverage with clarity and care. She founded Stone Health to put real, licensed humans back at the center of an industry that too often hides behind call queues and fine print.
CEBS, CHRS, and CHSNC certified. Featured in Kiplinger's, Fox 4, and WINK News. Member of the national Health Care Reform Legislative Team since 2010.
"My mission is to help every family find coverage they can trust with guidance they can understand."
A selection of outlets and recognitions that have featured Heather's commentary on health insurance, Medicare, special needs planning, and reform. Article links available on request.
Additional appearances include the national Health Care Reform Legislative Team (2010–2017, 2021–present), insurance consulting for Liberty Tax Professionals and UnitedHealthcare, and ongoing speaking engagements on Medicare, ACA reform, and special-needs financial planning. Citations and clips available on request — heather@stonehealthins.com.
Heather pairs you with the right advisor based on what your household actually needs — not on whoever picks up first.
Leadership · Licensed Advisor
Individual Health Insurance
Leads our individual health insurance practice — helping members compare Marketplace and off-exchange plans with confidence.
Leadership · Licensed Advisor
Health · Medicare · Life
Focused on health, Medicare, and life insurance strategies that match each household's real budget and goals.
Leadership · Licensed Advisor
Personal Lines · Auto · Home
Heads up our personal lines team — auto and home coverage built around the way real families live.
Licensed Advisor
Individual Health · Life
Works one-on-one with individuals and families on health and life coverage that fits the long view.
Licensed Advisor
Personal Lines · Auto · Home
Helps members protect what they've built — quoting and bundling auto and home policies across our licensed states.
Licensed Advisor (Bilingual)
Individual Health · Medicare · Spanish
Bilingual advisor serving Spanish-speaking members through health and Medicare enrollment, renewals, and questions.
Licensed Advisor
Medicare · Life
Works one-on-one with individuals comparing Medicare options and pairing the right life coverage alongside them.
Licensed Advisor
Individual Health · Medicare
Guides individuals through health and Medicare plan selection — from first quote to plan activation.
Licensed Advisor
Individual Health · Medicare
Helps members navigate enrollment, ID cards, and the day-to-day questions that come up after coverage starts.
Life Advisor
Life Insurance
Dedicated life insurance advisor — term, whole, and final expense coverage matched to each family's plan.
Book a 15-minute intro call and we'll match you with the right advisor on the first try.
Book an intro call