Three kinds of clients. One standard of care.
Individual & family health plans, small-business group coverage, and dental & vision — compared across the marketplace and the private market, in 32 states.
When coverage has to fit real life — and a real budget.
If you buy your own health insurance — or you're about to have to — you've probably discovered how confusing and expensive it can get. This is where I spend most of my time, and where the right guidance saves people the most.
I can likely help if you're:
- Overpaying for employer or marketplace coverage
- Between jobs, or staring down a COBRA bill
- Retiring early but not yet Medicare-eligible
- Earning too much to qualify for ACA subsidies
- Adding a spouse or kids and watching the premium triple
What we'll compare
- Marketplace (ACA) plans — with any subsidies you qualify for calculated correctly
- Private health plans — often priced on health rather than age and income, with year-round enrollment
- Dental & vision add-ons — coverage most people skip and then wish they hadn't
Whichever wins on the numbers is the one I'll recommend — including your current plan, if it's the best fit.
Common 1099 clients
- Business owners & independent contractors
- Medical professionals and attorneys
- Government contractors & consultants
- Real estate agents & loan officers
- Content creators and freelancers
If you're responsible for your own benefits, you have more options than the marketplace lets on.
You bet on yourself. Your coverage should back you up.
No HR department, no group plan, no safety net — being your own boss means being your own benefits department too. The good news: healthy, self-employed professionals are often the exact people private plans price most competitively.
- Deductible-smart planning so a good year isn't wiped out by one ER visit
- Nationwide PPO-style networks for clients who work across state lines
- Year-round enrollment on private plans — no waiting for November
Benefits that help you hire — without breaking payroll.
Health benefits are the first thing good candidates ask about and the last thing most small businesses can figure out affordably. I build group plans for companies with fewer than 50 employees — affordable, flexible, and scalable as you grow.
Industries I work with often:
- Construction & skilled trades
- Medical, dental & chiropractic practices
- Marketing agencies & professional services
- Home service companies — cleaning, HVAC, landscaping
What owners usually ask
- “What will it cost per employee?” — depends on census and plan design; I'll model it before you commit to anything
- “Do I have to cover everyone?” — participation rules vary by plan type; there's more flexibility than most owners expect
- “Can employees pick different levels?” — often yes, with tiered options
Group plans built for companies with fewer than 50 employees — affordable, flexible, and scalable.
Marketplace vs. private — the honest comparison.
Neither one is "better." They're priced on completely different math, and the winner depends on your household. This is the exact comparison I run on your numbers during the call.
| Marketplace (ACA) | Private plans | |
|---|---|---|
| How it's priced | Age, location, and household income — your health doesn't matter | Your health profile — being healthy can earn you a lower rate |
| When you can enroll | Nov 1 – Jan 15 (most states), or after a qualifying life event | Year-round — no waiting for November |
| Pre-existing conditions | Always covered, no health questions asked | Underwritten — approval and pricing depend on health history |
| Subsidies | Yes — can be substantial if your income qualifies | No subsidies — the sticker price is the price |
| Usually wins for | Households that qualify for meaningful subsidies, or with significant health conditions | Healthy people and families earning past the subsidy cliff — especially 1099s |
15 minutes on the phone tells you which column you're in — with real numbers, not generalities.
Not sure which bucket you're in?
That's what the first call is for. Fifteen minutes, no obligation, and you'll leave knowing your options either way.