If you write your own paychecks, the marketplace was not designed for you. We place self-employed clients onto large-employer-grade PPO plans with copays, full RX, mental health, and ancillary riders — starting at $339/mo.
If you've left a W-2 job — or never had one — you've probably been told you have two choices: the public marketplace or a high-deductible catastrophic plan. That's not true.
Through specific carrier programs, we can place 1099 individuals and single-owner businesses onto the same caliber of PPO plan that a 5,000-person company gets. Doctor copays. Specialist copays. 100% paid annual physicals. Real prescription coverage. Mental-health visits included. The whole stack.
If you see doctors more than once or twice a year — or carry a prescription — the math almost always lands here. Higher premium, near-zero surprises.
Lower premium with a deductible. $50 unlimited urgent care. Smart for healthy folks who want catastrophic protection without paying for what they don't use.
20 minutes. Doctors, prescriptions, budget, household. We learn what you actually use insurance for.
Side-by-side from five carriers, with estimated annual cost-of-care for your specific situation.
You choose. We answer everything. No pressure on which carrier you pick — our fee is the same.
We submit, follow up, and put ID cards in your inbox. Then we stay on as your broker — forever.
The questions we get on the first call.
Specific carriers offer non-employer-sponsored group programs that an individual or single-owner business can qualify for. These programs were designed for exactly the gap you're in. We confirm eligibility on the first call.
If you're set up as an LLC, S-corp, sole prop, or you draw 1099s — we can usually work with it. We'll ask a couple of structural questions to figure out which path makes sense.
Yes. The plans we place are full major-medical ACA-compliant coverage with the federally required essential health benefits. This is not short-term, indemnity, or sharing-ministry coverage.
No issue. ACA-compliant plans cannot deny or rate-up for pre-existing conditions. We routinely write coverage for clients managing chronic illness, including pregnancy.
No. We're independent and contracted with Anthem, BCBS, Cigna, UHC, and Aetna. Every quote runs through all five. Our recommendation comes from the math, not a carrier relationship.