Tom Stein

About Tom Stein

For years, I’ve been in the trenches of American healthcare—fighting for Main Street employers and the brokers who protect them.While large carriers chase Wall Street optics, I’ve committed my career to helping brokers, GAs, and small businesses understand level-funded health plans, eliminate waste, and keep money where it belongs: in their communities, not in corporate balance sheets.I’m the author of The Noble Agent’s Guide to Level Funding and The Noble Owner’s Guide to Level Funding, two books designed to give brokers and business owners the clarity, language, and confidence they need to break free from the fully insured status quo. Combined with our Level Funded University (LFU), underwriting tools, calculators, and weekly training content, these programs have helped brokers return millions of surplus dollars to small businesses across America.The employers we serve aren’t faceless enterprises—they’re roofers, manufacturers, retailers, contractors, nonprofits, and family-run firms who put people before politics. They care about their teams, their margins, and their futures. That’s who I fight for. I specialize in:• Level-funded plan design, compliance & strategy• Broker education, onboarding, and sales training• GA partnerships and downline growth systems• Surplus return optimization & transparency• Tools that simplify small-group decision makingWe don’t just talk theory—we build systems. From concept to delivery, we’ve engineered a complete ecosystem that equips independent brokers to compete, win, and grow inside one of the most misunderstood corners of American healthcare.If you’re a broker who wants to master level funding—or a GA seeking a turnkey education and quoting engine for your producers—let’s connect. DM me to learn how we’re helping Main Street win—one transparent health plan at a time.Focused on: level funding, stop-loss, small group strategy, Main Street employers, underwriting integrity, and transparent plan design.#levelfunding #healthinsurance #brokers #MainStreet #employeebenefits I create weekly content across YouTube, LinkedIn, and The Noble Agents Podcast to train brokers, educate employers, and elevate GA partners nationwide. If you want clearer underwriting, smarter plan design, transparent surplus accounting, and tools that help you win more Main Street business, you’re in the right place.Learn more at ATAAmerica.com, or follow for weekly level-funded insights.

Experience

1. Author

   American Trust Administrators, Inc

   Dec 2024 — Present · Overland Park, KS, US

   As an Author at American Trust Administrators, Inc, I led the charge in bringing forth the Noble Agents Guide to Level Funding, empowering individuals to navigate the complex world of healthcare with transparency and confidence. Through public speaking engagements, I shared insights and knowledge to inspire others to join the fight for better coverage and support.

Education

• Eudora

  High School/Secondary Diplomas and Certificates

  1998 — 2002

• Kansas State University

  Bachelor's degree, Finance and Financial Management Services

  2002 — 2007

• University of Buenos Aires

  Spanish Language and Literature

  2004 — 2004

Skills

• Event Planning
• Product Development
• Marketing Strategy
• Business Development
• Strategic Planning
• Social Media
• Sales Management
• New Business Development
• Microsoft Office
• Sales
• Customer Service
• Marketing
• Negotiation
• People Skills
• Leadership
• Team Building
• Management