Transforming health coverage solutions; We want you to get the care you deserve.
How it all began.
When my family moved from Hawaii back to the mainland, our health insurance didn’t come with us. I was just trying to find short-term coverage — and instead got bombarded by high-pressure agents selling plans that excluded everything in my medical history. I couldn’t even get an MRI for a shoulder injury I’d had 22 years earlier.
That frustration sparked a fire. I started digging deep into how health insurance really works — and I realized good plans do exist, but only if you know how to find and interpret them. I learned to read the fine print. I got licensed. And what started as solving my own family’s problem turned into a career helping others avoid the same trap.
Today, I’m an independent health coverage advisor and benefits strategist, licensed in nearly every U.S. state. Along with my husband, Mark — who joined the business two years after I launched it — we’ve built contracts with most of the major insurance carriers and work with a wide range of clients.
Meet the Team Behind McGarrity LLC
We’re a husband-and-wife team built on compassion, strategy, and a refusal to settle for confusing, overpriced health insurance. Between us, we’re licensed in nearly every U.S. state and have contracts with most major carriers — which means we don’t sell just one product. We help you figure out what actually fits.
Whether you’re an individual looking for better coverage, a small business trying to offer real benefits, or a company ready to rethink its strategy — we’re here to help.
We help individuals, families, and self-employed professionals find health coverage that actually makes sense for their needs. We also advise small business owners on how to offer real, affordable benefits to their teams — often with better options and less cost than traditional group plans.
But I don’t just work one-on-one. With an MBA, a background in hospitality leadership, and formal training in theater, I also speak to corporate audiences about the real financial and cultural impact of outdated or misaligned benefits packages. My flagship keynote, The Hidden Cost of Bad Benefits, helps companies uncover how their plans may be quietly draining morale, hurting retention, and limiting their ability to attract top talent — and what they can do about it without blowing up their budget.
Whether you’re an individual trying to find solid coverage, a small business navigating your first employee benefits package, or a company looking to better align your strategy with your people — I can help you make smarter decisions with clarity, not confusion.
Mark Harney
Health Coverage Advisor • Client Support & Strategy
I’m Mark — husband, father, and behind-the-scenes strategist. I have a background in Elementary Education and spent years as a stay-at-home dad (which still ranks as my favorite job). I’m also a licensed health coverage advisor, supporting McGarrity and our clients by managing the back office, reviewing plan details, and making sure the strategy behind every recommendation holds up.
As someone who’s Hard-of-Hearing, I leave most of the phone work to McGarrity — but I stay plugged in to every detail of our clients’ needs. My strengths lie in tech, logic, and a healthy obsession with efficiency. Whether it’s double-checking coverage options or designing smarter workflows, I make sure what we offer doesn’t just look good — it actually works.
McGarrity Harney
Founder • Health Coverage Advisor • MBA • Speaker & Author
I’m McGarrity (yep, that’s my first name). I’m a health coverage advisor, MBA, published author, and mom to two incredible kids. My journey into insurance started when my own coverage failed me during a cross-country move. I was tired of pushy agents and fine print — so I learned how to read the documents, asked tough questions, and became an advisor to help others avoid what my family went through.
Today, I work with individuals, families, and small businesses to find the right-fit coverage, backed by clear guidance and real options. I also speak to corporate audiences about the hidden costs of bad benefits, helping HR teams and executives reframe their benefits strategy without blowing the budget.
When I’m not working, I’m reading (always), helping my daughter run her dog treat business (Mercedes’ Pawsome Bitez), or planning our next travel adventure.
Our Promise
We don’t believe in one-size-fits-all insurance. We believe in listening, explaining, and building coverage strategies that actually serve the people they’re meant to protect. If you’re tired of confusion and ready for clarity, let’s talk.