Coverage

Health Insurance

Whether you’re self-employed, between jobs, or just tired of overpaying, I’ll help you find a health plan with real nationwide PPO coverage and a price that makes sense.

Coverage that fits your life, not the other way around.

Health insurance shouldn’t feel like a maze. As an independent agent, I’m not tied to a single company, so I compare private plans, ACA and Marketplace options, and everything in between to match you with coverage that actually fits your budget and your doctors.

Most of my clients come to me frustrated. They’re paying too much, their plan doesn’t cover what they need, or they just lost coverage and don’t know where to start. I walk you through the options in plain English and handle the paperwork so you can get covered with confidence.

Your options

Types of health coverage I offer

Every situation is different. These are the individual plans I compare to match you with the right fit.

Private PPO Plans

Medically underwritten plans with broad nationwide PPO networks, often a better value if you’re generally healthy.

ACA / Marketplace (Obamacare)

Subsidy-eligible plans with guaranteed acceptance and coverage for pre-existing conditions during open enrollment or a qualifying life event.

Short-Term Medical

Flexible, budget-friendly coverage to bridge a gap between jobs, plans, or enrollment periods.

Self-Employed & Sole Proprietor

Coverage built for freelancers, 1099 contractors, and business owners who don’t have an employer plan.

COBRA Alternatives

If your COBRA quote is too expensive, I’ll show you private options that often cost far less for comparable coverage.

HSA-Eligible Plans

High-deductible plans paired with a tax-advantaged health savings account to lower your taxable income.

Small Group / Employer

Group health options for small businesses that want to offer coverage to their team.

What’s included

What you can expect

Nationwide PPO networks in all 50 states

Doctor and specialist visits

Hospital and emergency coverage

Prescription drug coverage

Preventive and routine care

Plans for individuals, families, and businesses

Who it’s for

Is this you?

The self-employed

1099 contractors, freelancers, and business owners without an employer plan.

Between coverage

You lost your job, aged off a parent’s plan, or you’re in a waiting period.

Paying too much

Your premium keeps climbing for coverage you barely use.

Questions

Health insurance FAQ

Can I get private health insurance with a pre-existing condition?

Some private plans use medical underwriting, so it depends on the condition. If underwriting isn’t a fit, ACA and Marketplace plans are guaranteed-issue and cover pre-existing conditions. I’ll help you find the right lane.

When can I enroll?

Private plans can be started at almost any time. ACA and Marketplace plans have an open enrollment window, plus special enrollment if you have a qualifying life event like losing coverage.

Will my doctor be covered?

Most of the plans I offer use large nationwide PPO networks, so you usually keep access to a wide range of doctors and hospitals. I’ll confirm your providers before you enroll.

How much will it cost?

Pricing depends on your age, location, household, and the coverage you choose, so I won’t quote a number blind. Book a free consultation and I’ll give you real options.

Keep exploring

Related coverage

Life Insurance

Dental Insurance

Vision Insurance

Supplemental Insurance

Ready when you are

Ready to talk health coverage?

Book a free consultation and I’ll compare your options in plain English. No pressure, no obligation.