Let me handle health coverage for your self-employed clients so you have less on your plate.

How I help the clients you refer

Buying your own health coverage is what I help self-employed people, freelancers, 1099 contractors and families do. I compare private PPO plans and ACA marketplace plans based on the person's income, doctors and budget. Because I help people by phone and hold licenses in 36 states, clients don't have to live near me.

My help costs your client nothing. When I place a plan, the insurance company pays me. You'll find the full explanation in How I'm paid.

When to send a client my way

• Coverage through your client's employer is about to end, or the cost of COBRA is beyond their budget.
• After an income change, your client doesn't know if they still qualify for a premium subsidy.
• Your client asks if they can deduct their own health insurance premiums. My page on the self-employed health insurance deduction explains the IRS rules for you to compare with their return.
• Your client will retire before reaching Medicare age and needs coverage until then. I explain that gap on the retiring before 65 page.
• A self-employed spouse and children currently have separate coverage, and the household needs a plan that works for them together.

The steps for referring a client

• First, check with your client to see if they'd like to speak with a licensed broker.
• Share their name, phone number or email, and a short explanation of their coverage need. That could be: their coverage will end June 30.
• Keep what you send to what your client has agreed to share. I'll need household details, an approximate income figure and when coverage should start. Don't include medical records.
• I'll phone your client myself and focus our conversation on their health coverage needs.

Referrals go in both directions

Self-employed people often bring me questions for a CPA, tax pro, financial advisor or attorney. They might ask about setting up an entity, making retirement contributions or reporting a deduction. If someone needs that kind of help, I'll get their permission before referring them to you.

Where my role stops

Tax and legal advice aren't part of my work, including instructions on filing a return. You'll need to supply the numbers for deductions and premium credits because those questions are part of your client's return. I can share the IRS rules I use for you to check against that return.

As a licensed health insurance broker, I handle coverage questions: choosing a suitable plan, understanding its benefits, getting enrolled and knowing what to do if circumstances change.