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Fun tidbit of information that relates to this.
If you use the term "so-and-so-healthinsurance.com" as your URL, google will not see use of that term in your onpage terms as spamming, so you can say it as many times as you want. Otherwise you can get penalized for "spamming" for overuse of a term, or it stops carrying as much weight. (no one knows for sure, it's google). Exact match keywords carry a TON of weight.
If you use the term "so-and-so-healthinsurance.com" as your URL, google will not see use of that term in your onpage terms as spamming, so you can say it as many times as you want. Otherwise you can get penalized for "spamming" for overuse of a term, or it stops carrying as much weight. (no one knows for sure, it's google). Exact match keywords carry a TON of weight.