Nobody hands the self-employed a benefits packet.
When you work for yourself, health insurance becomes one more thing you're supposed to figure out alone, usually at the worst possible time.
That's the part I take off your plate.
Independent: I'm not steering you toward one company's shelf
Here to help, not sell
Free to you: my help costs you nothing
What most self-employed people get wrong
They guess at their income: what you report drives your eligibility, and self-employment income is harder to estimate than a salary. Retirement contributions and business expenses can legally lower the number the Marketplace counts, so the plan you qualify for can change before you ever pick one. Your tax preparer can confirm what applies to you.
They only price the premium: the monthly number is the easiest to compare and the least useful. Deductible, network, and what a bad year costs decide whether a plan was a good idea.
They wait for open enrollment when they didn't have to: losing other coverage, a move, a marriage, or a new baby can open a window right now.
When you can buy
Open enrollment: November 1 to January 15 on HealthCare.gov
Want coverage on January 1? Enroll by December 15
Some states close later because they run their own exchange
Outside that window, a life event like the ones above opens a Special Enrollment Period
Earn above 400% of the federal poverty level? Marketplace help stops completely, so plans sold outside the Marketplace are worth comparing too. I can price both.
What I need from you
The quickest way is my short form: Fill out the form
Have these handy:
Dates of birth for everyone on the plan
ZIP code and county
A realistic estimate of this year's household income
Household size
Tobacco use
Any coverage you have now
Ten minutes, and I'll come back with real options. Don't have it all yet? Book a time anyway, and we'll start with what you have.
If you have employees
Small group coverage is a different conversation with different rules
Sometimes the right answer is helping people onto individual plans instead
Worth a call before you commit to anything
What this costs you
Nothing: my help is free to you.
You pay the same whether you buy on an app, through an impersonal call center, or through a local agent.
The difference: you get me, and I answer the phone in March when a claim gets denied.
What I will tell you straight
If your spouse's job offers a better deal, I'll tell you.
If you're 65 or older, Medicare works differently.
Where to start
No pressure and no obligation to buy.
Or call or text (615) 659-1923
Independent agent · Licensed in TN, AL, AR, IN, KY, NC, and VA · NPN 16627547