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Independent broker · 42 states

Most plans are built
for the carrier.
Yours is built around you.

Joe & Maggie Roeder broker private PPO health coverage with Anthem, BCBS, Cigna, UHC, and Aetna — engineered around your doctors, your prescriptions, and the way you actually live. Self-employed, families, and small teams who refuse a one-size-fits-all anything.

Book a free consult → See coverage ↓
42
States licensed
5
Top-tier carriers
$339/mo
1099 plans from
100%
Annual exams paid
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/01 What we do differently

A broker that actually brokers.

The job isn't to sell you a plan; it's to weigh five carriers, two dozen plan variants, and your actual healthcare against each other — then stay on the line when something changes.

01. Independent

No carrier loyalty.
Only client loyalty.

We're not a captive agent for one company. We pit Anthem, BCBS, Cigna, UHC, and Aetna against each other on your behalf — every renewal — and recommend the plan that wins on the math.

See the carriers
02. PPO-first

Doctor and specialist visits, on a copay.

Most of the marketplace is HMO/EPO. We specialize in true PPO plans — copay-based primary care, broad networks, 100% paid annual exams (mammogram and colonoscopy included), and full RX.

Compare PPO tiers
03. Built for 1099

Employer-style plans, without the employer.

Self-employed and small groups can access the same caliber of PPO benefits as large companies — copays, RX, mental health, ancillary riders. We've spent ten years engineering this stack.

Self-employed plans
/02 Who we work with

Different life. Different math.

We work with self-employed people and small business owners by design — but if you live in one of our 42 licensed states and you want a real PPO, we'll work with you.

Primary focus / 01 — 1099 & Self-Employed

Freelancers, contractors, founders, consultants.

You write your own paychecks. Your health plan shouldn't punish you for it. We build employer-grade PPO coverage with copays, RX, and mental health — plans starting at $339/mo.

Plans from $339/mo Explore →
/ 02 — Small Business

Group plans for teams of 2 — 200.

Employer-sponsored PPO quotes from Anthem, BCBS, Cigna, UHC, and Aetna in two days. Or non-employer-sponsored group benefits that don't cost the business a dime.

2–200 employees Explore →
/ 03 — Individuals & Families

Coverage that flexes around the household.

Copay PPO, $0-deductible, or major-medical. Pre-existing conditions welcome, including pregnancy. Child-only plans after the 6-week check-up.

For households Explore →
/ 04 — Family Planning

Plans built for the family you're starting.

Maternity, prenatal, delivery, and pediatric coverage written in before you need it. Pre-existing conditions — including pregnancy — welcome on every plan we place.

Growing your family? Explore →
/03 The agency is two people

Meet Joe &
Maggie.

Husband-and-wife independent brokers in Hendersonville, TN. You'll get one of two phone numbers — and we'll know your plan by heart.

J

Joe Roeder — the math guy.

Ten-plus years brokering in 42 states. Spends his days running side-by-side carrier comparisons that look like an actuarial sheet, then translating the math into plain English on a call.

M

Maggie Roeder — the human in the loop.

Runs renewals, claims troubleshooting, and the long tail of "wait — is this covered?" calls. The reason clients are still with us in year five. The M is in the middle on purpose.

Read the full story →
/ Joe & Maggie Joe and Maggie Roeder — husband-and-wife independent health insurance brokers, Hendersonville, TN
Husband & wife · est. JMR Hendersonville · TN
“

Your health plan should be custom-tailored to your medical needs and usage — not a generic, one-size-fits-all solution.

— The JMR philosophy

/04 Coverage

The plan architecture.

Every JMR plan is assembled from these building blocks. We start with how you actually use healthcare — then choose the architecture that costs you the least to live your life.

/ A.01

Copay PPO

Doctor and specialist visits are flat-copay only. Annual physical, colonoscopy, and mammogram paid at 100%. Common pick for households and frequent users.
Details →
/ A.02

Major Medical (Non-Copay PPO)

Lower-premium deductible plans with a $50 unlimited urgent-care copay. Designed for healthy individuals who want catastrophic protection at the smallest monthly hit.
Details →
/ A.03

$0 Deductible PPO

The carrier pays first-dollar on annual treatment. No deductible arithmetic in February when something breaks. Higher premium, zero stress.
Details →
/ B.01

Business Group PPO

Employer-sponsored PPO for groups up to 200 employees. Quotes from all five major carriers within two business days. Bind and onboard within the week.
Details →
/ B.02

Non-Employer Group

Individually underwritten employer health plans that don't cost the business — but give your employees excellent benefits and a real reason to stay.
Details →
/ C.01

Ancillary & Riders

Dental · vision · accident protection · hospital expense · critical illness · heart-attack / cancer / stroke · term & whole life · indexed universal life. Layered to your core PPO.
Ask Joe →
/05 How it works

Four conversations.
No paperwork theater.

From the first call to ID cards in your inbox is typically five to ten business days. We do the underwriting, the carrier negotiation, and the enrollment forms — you decide.

/ STEP 01

Discover

A 20-minute call. We learn your doctors, prescriptions, household, budget — and what you actually want from a plan.

/ STEP 02

Compare

We pull live quotes from Anthem, BCBS, Cigna, UHC, and Aetna, then strip out the marketing to show you a side-by-side cost-of-care estimate.

/ STEP 03

Choose

You pick the architecture. We layer in ancillary if it makes sense — dental, vision, life, critical illness — at carrier wholesale, no markup.

/ STEP 04

Enroll & relax

We submit, follow the carrier, and stay on as your point of contact. Renewals, claims, status changes — you call us, not an 800 number.

/06 Clients

Don't take it
from us.

A decade of brokering looks like a lot of folks describing the same thing: someone who actually picked up the phone in year two.

All reviews →
/07 Questions

The questions
we get most.

Don't see yours? Ask it directly.

What does it cost to use a broker?+

Nothing. Brokers are paid by the carrier you choose, and the rate is set by the state — using a broker doesn't raise your premium one cent. The advantage is independent advice and an actual human for the life of the plan.

Do you only sell PPO plans?+

PPO is what we specialize in because it delivers the best access for the people we work with — broad networks, copays, 100% paid preventive care. We can also write HMO, EPO, and ancillary if it fits your situation better.

I have a pre-existing condition. Am I out of luck?+

No. We routinely write coverage for clients with pre-existing conditions — including pregnancy. The strategy depends on whether you qualify for an employer-style plan or need to use the individual market; we'll lay out both.

I'm self-employed. Can I really get the same plan as a big company?+

Yes — and it's exactly the gap we exist to close. Through specific carrier programs we can place 1099 individuals and small groups (even single-owner shops) onto large-employer-style PPO plans with copays, RX, and mental-health coverage. Starting around $339/mo.

From first call to active coverage is typically five to ten business days, depending on the carrier and underwriting path. Group plans up to 200 employees: two days for quotes, one week to bind.

What happens after I'm enrolled?+

You call us — not the carrier. We handle claims questions, ID-card replacements, status changes, renewals, and any plan optimization year over year. Our job starts at enrollment; it doesn't end there.

/ Free · no obligation · 20 minutes

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from five carriers today.
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OfficeHendersonville, TN
ReachLicensed in 42 states
CarriersAnthem · BCBS · Cigna · UHC · Aetna
ResponseSame business day