Hi, I'm Sam. Most of the people I help work for themselves, and the right coverage depends a lot on how the work actually runs: how income comes in, where the job takes you, who is at home. Find your line of work below.
The two questions I hear most, before anyone gets to their line of work.
What a private, medically underwritten nationwide PPO is, who it fits, and who is better off on the marketplace.
How they save →Based in Tampa, serving Tampa Bay and the rest of Central and Southwest Florida, plus 36 states by phone.
How they save →Each guide walks through how people in that work are saving money on their health insurance this year, and when it makes sense to call me.
Anyone paid on a 1099, by one client or several, who has to find and fund their own health coverage.
How they save →Chiropractors who own a solo or small practice and buy health coverage for themselves and their family.
How they save →1099 claims and catastrophe adjusters who deploy to storm zones and need coverage that works away from home.
How they save →Strategy, operations, HR and finance consultants working through their own LLC or on contract who buy coverage themselves.
How they save →People who leave work before Medicare age and need coverage to bridge the years in between.
How they save →Licensed electricians and small electrical contractors who left a shop's group plan behind when they went out on their own.
How they save →Elevator and escalator mechanics leaving an employer or company plan to start a service business, take contract work or step away early.
How they save →Farm and ranch families who buy their own coverage and live with income that changes from one season to the next.
How they save →Advisors who run their own practice or affiliate as contractors and buy health coverage for themselves, their families and sometimes their staff.
How they save →Writers, designers, photographers, editors and content creators who invoice for a living and buy their own coverage.
How they save →Contractors, home builders and remodelers who run their own firm and need coverage that fits draw-based income.
How they save →Excavation contractors and heavy equipment owner-operators whose income follows the weather and the job schedule.
How they save →HVAC technicians and small heating and cooling contractors who buy their own coverage around a busy-season income.
How they save →Millwrights and industrial maintenance mechanics who work plant shutdowns and turnarounds on contract, or are leaving a plant job.
How they save →Contract linemen and storm-restoration crews who deploy out of state and need coverage that isn't tied to one utility.
How they save →Pastors, ministers and other clergy whose church doesn't offer a health plan and who buy coverage for their family.
How they save →Plumbers and pipefitters who opened their own shop or took on 1099 work and now buy health coverage themselves.
How they save →Dentists who own or are buying into a practice and need medical coverage for themselves and their family.
How they save →Physicians who own a solo or small practice, or are leaving employed medicine, and need to buy their own coverage.
How they save →Investors and property managers living on rents, sales or a management business who buy their own health coverage.
How they save →Agents and brokers paid on commission who buy their own coverage and need a plan that survives a slow quarter.
How they save →Roofing contractors, crew owners and 1099 roofers whose income follows the weather and who buy their own health coverage.
How they save →Owners of LLCs, S-corps and small shops who need coverage for themselves and their families, with or without a team.
How they save →Solar installers working through staffing agencies or on contract, and owners of small install companies who buy their own coverage.
How they save →Self-employed tax preparers, enrolled agents and bookkeepers who buy their own coverage around a seasonal income.
How they save →Developers, engineers and IT specialists on contract who buy their own coverage between and during engagements.
How they save →Licensed therapists, counselors and psychologists in solo or small group practice who buy their own coverage.
How they save →Touring musicians, stagehands, audio and lighting techs, and event crews who work gig to gig and buy their own coverage.
How they save →Travel nurses whose coverage comes and goes with each assignment and who need a network that works far from home.
How they save →Owner-operators, leased-on drivers and lease-purchase drivers who buy their own coverage and need it to work on the road.
How they save →Mobile and rig welders, fabricators and 1099 welders who left a shop or plant plan and buy their own health coverage.
How they save →Guides written for Alabama: its marketplace, its prices, and what that means for your line of work.
Alabamians paid on a 1099, especially contract engineers and analysts around Huntsville whose work takes them out of state.
How they save →Alabama electricians and electrical contractors in Tuscaloosa County and West Alabama who do plant and commercial work and buy their own coverage.
How they save →Alabama general contractors, builders and remodelers in Madison and Limestone counties around Huntsville who buy their own coverage.
How they save →Alabama HVAC technicians and air conditioning contractors in Mobile and Baldwin counties on the Gulf Coast who buy their own coverage.
How they save →Alabama plumbers and plumbing shop owners in Jefferson and Shelby counties around Birmingham who buy their own health coverage.
How they save →Alabama investors and property managers living on rents and sales, especially student-rental owners around Tuscaloosa.
How they save →Alabama agents paid at closing, especially in Baldwin County, who buy their own coverage on HealthCare.gov or privately.
How they save →Owners of Alabama LLCs, S-corps and family businesses, especially around Birmingham, buying coverage for the household.
How they save →Travel nurses who keep an Alabama home base, especially around Mobile, and take contracts across the country.
How they save →Alabama owner-operators and leased-on drivers based around Montgomery who run I-65, I-85 and I-10 and buy their own health insurance.
How they save →Guides written for Florida: its marketplace, its prices, and what that means for your line of work.
Floridians paid on one or more 1099s who buy their own coverage and need it to hold up in a lean year.
How they save →Florida chiropractors who own a clinic or rent space and buy health coverage for themselves and their family.
How they save →Florida-based 1099 claims and catastrophe adjusters who work hurricane season at home and deploy to other states.
How they save →Strategy, operations, HR and finance consultants based in Florida who travel to clients and buy their own coverage.
How they save →Florida dentists who own or are buying into a practice and need medical coverage for their household.
How they save →People who left work before Medicare and live in Florida, buying their own coverage to bridge the years in between.
How they save →Florida electricians and small electrical contractors who left a shop's group plan and now cover themselves and their families.
How they save →Florida elevator and escalator mechanics leaving a company plan to start a service business, take contract work or step away early.
How they save →Florida growers, ranchers and cattle families who buy their own coverage on an income that changes with every season.
How they save →Florida advisors who run their own practice or affiliate as contractors and buy coverage for their families and sometimes their staff.
How they save →Writers, designers, photographers and creators living in Florida who invoice for a living and buy their own coverage.
How they save →Florida general contractors, home builders and remodelers who run their own firm and buy coverage for themselves and their families.
How they save →Florida HVAC technicians and air conditioning contractors who work for themselves and buy their own health coverage.
How they save →Florida excavation contractors, site-work owners and equipment owner-operators who buy health coverage for their own households.
How they save →Florida millwrights and industrial maintenance mechanics who work plant shutdowns on contract or are leaving a plant job.
How they save →Florida-based contract linemen and storm-restoration crews who work across state lines and buy their own coverage.
How they save →Florida pastors, ministers and clergy whose church doesn't offer a health plan and who cover their own families.
How they save →Florida physicians who own a solo or small practice, or are leaving a hospital job, and buy their own coverage.
How they save →Florida plumbers and pipefitters who opened their own shop or work on a 1099 and buy health coverage themselves.
How they save →Florida investors and property managers living on rents, sales or a management business who buy their own coverage.
How they save →Florida agents and brokers paid at closing who buy their own coverage in a market where prices climbed sharply.
How they save →Florida roofing contractors, crew owners and 1099 roofers whose income rides storm season and who buy their own coverage.
How they save →Owners of Florida LLCs, S-corps and small shops buying coverage for themselves, their families and sometimes a small team.
How they save →Florida solar installers on agency or 1099 work, and owners of small install companies who buy their own health coverage.
How they save →Self-employed Florida tax preparers, enrolled agents and bookkeepers who buy their own coverage on a seasonal income.
How they save →Developers, engineers and IT specialists living in Florida who contract for clients anywhere and buy their own coverage.
How they save →Florida therapists, counselors and psychologists in solo or small group practice who buy their own coverage.
How they save →Florida-based musicians, stagehands, audio and lighting techs, and event crews who work gig to gig and buy their own coverage.
How they save →Travel nurses with a Florida home base whose coverage shifts with each contract and has to work in other states.
How they save →Owner-operators who call Florida home, run lanes across the country, and buy coverage on their own.
How they save →Florida mobile welders, fabricators and 1099 welders who left a shop or yard plan and buy their own health coverage.
How they save →Guides written for Georgia: its marketplace, its prices, and what that means for your line of work.
Georgians paid on one or more 1099s who buy their own coverage through Georgia Access or privately.
How they save →Georgia electricians and small electrical contractors who left a contractor's group plan and now insure their own households.
How they save →Georgia general contractors, home builders and remodelers who run their own firm and buy health coverage for their households.
How they save →Georgia HVAC technicians and air conditioning contractors who work for themselves and buy their own health coverage.
How they save →Georgia plumbers and pipefitters who opened their own shop or work on a 1099 and buy their own health coverage.
How they save →Georgia investors and property managers living on rents, sales or a management business who buy their own coverage.
How they save →Georgia agents and brokers paid on commission who buy their own coverage through Georgia Access or privately.
How they save →Owners of Georgia LLCs, S-corps and small shops buying coverage for themselves, their families and sometimes a team.
How they save →Travel nurses with a Georgia home base whose coverage shifts with each assignment and needs to work in other states.
How they save →Owner-operators and leased-on drivers based in Georgia who run port, regional and long-haul freight and buy their own coverage.
How they save →Guides written for Illinois: its marketplace, its prices, and what that means for your line of work.
Illinoisans paid on a 1099, especially in the Metro East, whose clients and job sites are across the Mississippi in Missouri.
How they save →Illinois electricians and electrical contractors in Chicago and Cook County who carry their own health coverage.
How they save →Illinois general contractors, builders and remodelers in DuPage and Kane counties and the western Chicago suburbs who buy their own coverage.
How they save →Illinois HVAC technicians and heating and cooling contractors in Peoria, Tazewell and Woodford counties who buy their own coverage.
How they save →Illinois plumbers and plumbing shop owners in Champaign County and the downstate farm towns who buy their own coverage.
How they save →Illinois investors and property managers living on rents and sales, especially in the Quad Cities, whose properties and care cross into Iowa.
How they save →Illinois agents paid on commission, especially in Chicago and Cook County, who buy their own coverage through Get Covered Illinois or privately.
How they save →Owners of Illinois LLCs, S-corps and family businesses, especially downstate around Peoria, who buy coverage for the household.
How they save →Travel nurses who keep an Illinois home base, especially downstate in Champaign-Urbana, and take contracts across the country.
How they save →Illinois owner-operators and leased-on drivers based around Joliet and Will County who run I-80, I-55 and I-57 and buy their own coverage.
How they save →Guides written for Indiana: its marketplace, its prices, and what that means for your line of work.
Hoosiers paid on one or more 1099s whose income sometimes dips into Healthy Indiana Plan range.
How they save →Indiana electricians leaving plant, factory and RV-industry jobs to work under their own license and buy their own coverage.
How they save →Indiana general contractors, home builders and remodelers, especially around Indianapolis, who buy their own health coverage.
How they save →Indiana HVAC technicians and heating and cooling contractors who work for themselves and buy their own coverage.
How they save →Indiana plumbers and pipefitters opening their own shop who need coverage through a lean first year and beyond.
How they save →Indiana investors and property managers whose income depends on whether a sale closes in the coming year.
How they save →Indiana agents and brokers paid on commission, especially strong producers who earn past the marketplace credit.
How they save →Owners of Indiana LLCs, S-corps and small shops, especially in counties where marketplace choice is thin.
How they save →Travel nurses with an Indiana home base whose coverage has to work on contracts in other states.
How they save →Owner-operators and leased-on drivers based in Indiana who haul along I-65, I-69, I-70 and the Toll Road and buy their own coverage.
How they save →Guides written for Kansas: its marketplace, its prices, and what that means for your line of work.
Kansans paid on a 1099 whose income can dip close to the poverty line in a slow year.
How they save →Kansas electricians, from Wichita's aviation plants to small-town shops, leaving a contractor's group plan to work for themselves.
How they save →Kansas general contractors, builders and remodelers whose income swings with hail and storm rebuild seasons.
How they save →Established Kansas HVAC owners and heating and cooling contractors who earn past the subsidy range and buy their own coverage.
How they save →Kansas plumbers and pipefitters opening their own shop who need to plan coverage through a lean first year.
How they save →Kansas investors and property managers in the Kansas City metro whose portfolios cross into Missouri.
How they save →Kansas agents and brokers paid on commission, especially in counties where only one or two insurers sell marketplace plans.
How they save →Kansans leaving a job to run their own company and needing coverage for themselves and their families.
How they save →Travel nurses with a Kansas home base, especially in western Kansas counties with a single marketplace insurer.
How they save →Kansas owner-operators who haul grain at harvest and run I-70 and I-35 freight the rest of the year, buying their own coverage.
How they save →Guides written for Kentucky: its marketplace, its prices, and what that means for your line of work.
Kentuckians paid on a 1099, especially in Northern Kentucky, whose work regularly crosses into Ohio.
How they save →Kentucky electricians, from the auto-plant corridor to Louisville and Lexington, leaving a contractor's plan to work under their own license.
How they save →Kentucky general contractors, home builders and remodelers, from Louisville and Lexington to the river towns, who buy their own coverage.
How they save →Kentucky HVAC technicians and heating and cooling contractors balancing full-price coverage with a family member's ongoing care.
How they save →Kentucky plumbers and pipefitters, from the Ohio River towns to Louisville and Lexington, who buy their own coverage.
How they save →Kentucky landlords and property managers whose taxable income swings around the Medicaid and credit lines.
How they save →Kentucky agents and brokers paid on commission who buy their own coverage through kynect or privately.
How they save →Owners of Kentucky LLCs, S-corps and small shops paying full price to cover a spouse and children.
How they save →Travel nurses with a Kentucky home base whose coverage needs to work in the states where they take contracts.
How they save →Kentucky owner-operators, from local air-freight drivers in Louisville to long-haulers on I-64, I-65 and I-75, buying their own coverage.
How they save →Guides written for Maryland: its marketplace, its prices, and what that means for your line of work.
Marylanders paid on a 1099, especially in Western Maryland, whose work regularly takes them into Pennsylvania and West Virginia.
How they save →Maryland electricians and electrical contractors in Montgomery and Prince George's counties who work DC-area and federal jobs and buy their own coverage.
How they save →Maryland general contractors, builders and remodelers on the Eastern Shore, from Salisbury to Ocean City, who buy their own coverage.
How they save →Maryland HVAC technicians and heating and cooling contractors around Hagerstown and Washington County who buy their own coverage.
How they save →Maryland plumbers and plumbing shop owners in Baltimore City and Baltimore County who buy their own health coverage.
How they save →Maryland investors and property managers living on rents and sales, especially around Annapolis and Anne Arundel County.
How they save →Maryland agents paid at closing, especially in the DC suburbs, who buy their own coverage through Maryland Health Connection or privately.
How they save →Owners of Maryland LLCs, S-corps and family shops, especially seasonal businesses on the Eastern Shore, buying coverage for the household.
How they save →Travel nurses who keep a Maryland home base, especially in Baltimore, and take assignments in other states.
How they save →Maryland owner-operators and leased-on drivers around the Port of Baltimore and the I-95 corridor who buy their own health insurance.
How they save →Guides written for Michigan: its marketplace, its prices, and what that means for your line of work.
Michiganders paid on a 1099, especially in West Michigan, whose clients and travel reach well past the state line.
How they save →Michigan electricians and electrical contractors in Macomb, Oakland and Wayne counties who carry their own health coverage.
How they save →Michigan general contractors and home builders in Kent, Ottawa and Muskegon counties who buy their own health coverage.
How they save →Michigan HVAC technicians and heating and cooling contractors in Midland, Saginaw and Bay City who buy their own coverage.
How they save →Michigan plumbers and plumbing shop owners in the Upper Peninsula, from Marquette to the Keweenaw, who buy their own coverage.
How they save →Michigan investors and property managers living on rents, flips or sales, especially in metro Detroit, who buy their own coverage.
How they save →Michigan agents paid at closing, especially in the Traverse City region, who buy their own coverage on HealthCare.gov or privately.
How they save →Owners of Michigan LLCs, S-corps and family shops buying coverage for the household, with or without employees.
How they save →Travel nurses who keep a Michigan home base, especially in the Upper Peninsula, and take contracts far from home.
How they save →Michigan owner-operators and leased-on drivers around Port Huron and Detroit who run cross-border and Midwest freight and buy their own coverage.
How they save →Guides written for Mississippi: its marketplace, its prices, and what that means for your line of work.
Mississippians paid on a 1099 whose income can fall toward the poverty line in a slow year.
How they save →Mississippi electricians on the Gulf Coast and beyond who move from shipyard or plant payroll to 1099 contract work.
How they save →Mississippi general contractors, builders and remodelers, from the Gulf Coast to the Jackson metro, who buy their own coverage.
How they save →Mississippi HVAC technicians and air conditioning contractors whose income piles up in the summer and thins out in winter.
How they save →Mississippi plumbers and pipefitters with families who are opening their own shop and buying their own coverage.
How they save →Mississippi investors and property managers, from Oxford student rentals to the Gulf Coast, whose income changes year to year.
How they save →Mississippi agents and brokers paid on commission, especially strong producers who earn past the marketplace credit.
How they save →Owners of Mississippi LLCs, S-corps and small shops, especially in DeSoto County near Memphis.
How they save →Travel nurses with a Mississippi home base whose coverage needs to work in other states.
How they save →Mississippi owner-operator teams, often spouses, who run I-55, I-20 and I-10 together and buy their own coverage.
How they save →Guides written for Missouri: its marketplace, its prices, and what that means for your line of work.
Missouri residents paid on a 1099 whose jobs often take them across the state line into Kansas or Illinois.
How they save →Missouri electricians, from old St. Louis rewires to Springfield new builds, who are going out on their own and buying their own coverage.
How they save →Missouri general contractors, home builders and remodelers, from Kansas City to St. Louis, who buy their own health coverage.
How they save →Missouri HVAC technicians and heating and cooling contractors growing from a one-truck business to a small crew.
How they save →Missouri plumbers and pipefitters leaving a company's group plan to open their own shop or work on a 1099.
How they save →Missouri investors and property managers whose paper income swings with repairs, depreciation and sales.
How they save →Missouri agents and brokers paid on commission, especially newer agents whose income is climbing year by year.
How they save →Owners of Missouri LLCs, S-corps and small shops paying full price to cover a spouse and children.
How they save →Travel nurses with a Missouri home base whose coverage has to work in the other states where they take contracts.
How they save →Missouri owner-operators and leased-on drivers, regional and long-haul, who buy their own health coverage.
How they save →Guides written for Nevada: its marketplace, its prices, and what that means for your line of work.
Nevadans paid on a 1099, especially in Washoe, Douglas and Carson City, whose work regularly crosses into California.
How they save →Nevada electricians who move between big resort, casino and commercial projects, or use the gap to start their own shop.
How they save →Nevada general contractors, home builders and remodelers in Las Vegas, Henderson, Reno and beyond who buy their own coverage.
How they save →Nevada HVAC technicians and air conditioning contractors in the desert heat who buy their own health coverage.
How they save →Nevada plumbers and pipefitters running their own shop or working on a 1099 who buy coverage through Nevada Health Link or privately.
How they save →Nevada investors and property managers who split their year between Nevada and another state.
How they save →Nevada agents and brokers paid on commission who buy their own coverage through Nevada Health Link or privately.
How they save →Owners of Nevada LLCs, S-corps and small shops choosing family coverage, including the new Battle Born State Plans.
How they save →Travel nurses with a Nevada home base, including rural counties like Elko, whose coverage has to work in other states.
How they save →Nevada owner-operators on I-15 and I-80, from Las Vegas port runs to Reno long-haul, who buy their own coverage.
How they save →Guides written for North Carolina: its marketplace, its prices, and what that means for your line of work.
North Carolinians paid on a 1099, especially around Charlotte, whose clients and job sites straddle the South Carolina line.
How they save →North Carolina electricians and electrical contractors in Wake, Durham and Johnston counties who carry their own health coverage.
How they save →North Carolina general contractors and home builders around Charlotte, Concord and Monroe who buy their own coverage.
How they save →North Carolina HVAC technicians and heating and cooling contractors on the coast, from Morehead City to the Outer Banks.
How they save →North Carolina plumbers and plumbing shop owners in Boone, Asheville and the western mountains who buy their own coverage.
How they save →North Carolina investors living on rents, sales or a management business, especially vacation-rental owners on the coast.
How they save →North Carolina agents paid at closing, especially along the southern coast, who buy their own coverage on HealthCare.gov or privately.
How they save →Owners of North Carolina LLCs, S-corps and small shops, especially in the mountains, buying family coverage with or without staff.
How they save →Travel nurses who keep a North Carolina home base, especially in the Triangle, and take contracts in other states.
How they save →North Carolina owner-operators and leased-on drivers based around Greensboro and Burlington who buy their own health insurance.
How they save →Guides written for Ohio: its marketplace, its prices, and what that means for your line of work.
Ohioans paid on one or more 1099s who buy their own coverage from an all-HMO marketplace.
How they save →Ohio electricians and small electrical contractors who left a contractor's group plan and now cover their own households.
How they save →Ohio general contractors, home builders and remodelers who run their own firm and buy health coverage for their households.
How they save →Ohio HVAC technicians and heating and cooling contractors who work for themselves and buy their own health coverage.
How they save →Ohio plumbers and pipefitters who opened their own shop or work on a 1099 and buy their own health coverage.
How they save →Ohio investors and property managers living on rents, sales or a management business who buy their own coverage.
How they save →Ohio agents and brokers paid on commission who buy their own coverage from an all-HMO marketplace.
How they save →Owners of Ohio LLCs, S-corps and small shops buying coverage for themselves, their families and sometimes a team.
How they save →Travel nurses with an Ohio home base whose coverage shifts with each assignment and must work in other states.
How they save →Owner-operators and leased-on drivers based in Ohio who run regional and long-haul lanes and buy their own coverage.
How they save →Guides written for South Carolina: its marketplace, its prices, and what that means for your line of work.
South Carolinians paid on a 1099, especially around Aiken and North Augusta, whose work and care cross into Georgia.
How they save →South Carolina electricians and electrical contractors in Spartanburg and Greenville counties who do industrial and commercial work and buy their own coverage.
How they save →South Carolina general contractors, builders and remodelers in the Charleston area, from Summerville to Mount Pleasant, who buy their own coverage.
How they save →South Carolina HVAC technicians and air conditioning contractors on the Grand Strand, in Horry and Georgetown counties, who buy their own coverage.
How they save →South Carolina plumbers and plumbing shop owners in Greenville and Pickens counties who buy their own health coverage.
How they save →South Carolina investors and property managers living on rents and sales, especially vacation-rental owners on the Grand Strand.
How they save →South Carolina agents paid at closing, especially in the Charleston area, who buy their own coverage on HealthCare.gov or privately.
How they save →Owners of South Carolina LLCs, S-corps and family shops, especially around Columbia, buying coverage for the household.
How they save →Travel nurses who keep a South Carolina home base, especially in Greenville and the Upstate, and work assignments in other states.
How they save →South Carolina owner-operators and leased-on drivers around North Charleston and Goose Creek who run port, I-26, I-95 and I-85 freight and buy their own coverage.
How they save →Guides written for Tennessee: its marketplace, its prices, and what that means for your line of work.
Tennesseans paid on one or more 1099s who buy their own coverage and need it to hold up when work slows down.
How they save →Tennessee electricians who are leaving a contractor's group plan to work under their own license and buy their own coverage.
How they save →Tennessee general contractors, home builders and remodelers, especially around Nashville, who buy their own health coverage.
How they save →Tennessee HVAC technicians and heating and cooling contractors, from Memphis to Knoxville, who buy their own health coverage.
How they save →Tennessee plumbers and pipefitters opening their own shop or going 1099 who need to plan coverage through a lean first year.
How they save →Tennessee investors and property managers living on rents and sales who buy their own coverage.
How they save →Tennessee agents and brokers paid on commission who buy their own coverage from an all-EPO marketplace.
How they save →Owners of Tennessee LLCs, S-corps and small shops covering a spouse and children, and sometimes a small team.
How they save →Travel nurses with a Tennessee home base whose coverage has to work in the other states where they take contracts.
How they save →Owner-operators and leased-on drivers based in Tennessee, from the Memphis freight hub to Nashville, who buy their own coverage.
How they save →Guides written for Texas: its marketplace, its prices, and what that means for your line of work.
Texans paid on one or more 1099s who buy their own coverage in a state with no marketplace PPO and very limited Medicaid.
How they save →Texas electricians and small electrical contractors who left a shop's group plan and now insure their own households.
How they save →Texas general contractors, home builders and remodelers who run their own firm and buy their own health coverage.
How they save →Texas HVAC technicians and air conditioning contractors who work for themselves and buy their own health coverage.
How they save →Texas plumbers and pipefitters who opened their own shop or work on a 1099 and buy health coverage for their households.
How they save →Texas investors and property managers living on rents, sales or a management business who buy their own coverage.
How they save →Texas agents and brokers paid on commission who buy their own coverage in a marketplace with no PPO plans at all.
How they save →Owners of Texas LLCs, S-corps and small shops buying coverage for themselves, their families and sometimes a small team.
How they save →Travel nurses with a Texas home base whose coverage changes with each contract and has to work in other states.
How they save →Owner-operators and leased-on drivers based in Texas who run long lanes and buy their own health coverage.
How they save →Guides written for Utah: its marketplace, its prices, and what that means for your line of work.
Utahns paid on a 1099 who live in rural counties with thin marketplace choice and work across the state.
How they save →Utah electricians along the Wasatch Front leaving a contractor's group plan to work under their own license.
How they save →Utah general contractors, builders and remodelers, especially in St. George and southern Utah, who buy their own coverage.
How they save →Established Utah HVAC owners and heating and cooling contractors along the Wasatch Front who pay full price for their own coverage.
How they save →Utah plumbers and pipefitters in rural and central Utah, where marketplace choices are thin, who buy their own coverage.
How they save →Utah investors with vacation and long-term rentals whose income rises and falls with the seasons.
How they save →Utah agents and brokers paid on commission, including resort-market agents whose clients and travel span several states.
How they save →Owners of Utah LLCs, S-corps and small shops, especially in southern Utah where specialty care can mean a long drive.
How they save →Travel nurses with a Utah home base whose coverage needs to work in the states where they take contracts.
How they save →Utah owner-operators and leased-on drivers based around Salt Lake who run I-15, I-80 and I-84 and buy their own coverage.
How they save →Guides written for Virginia: its marketplace, its prices, and what that means for your line of work.
Virginians paid on one or more 1099s who buy their own coverage through the state marketplace or privately.
How they save →Virginia electricians and small electrical contractors who left a contractor's plan and buy coverage for their own households.
How they save →Virginia general contractors, home builders and remodelers who run their own firm and buy health coverage for their households.
How they save →Virginia HVAC technicians and heating and cooling contractors who run their own business and buy their own coverage.
How they save →Virginia plumbers and pipefitters who opened their own shop or took 1099 work and now buy their own health coverage.
How they save →Virginia investors and property managers living on rents, sales or a management business who buy their own coverage.
How they save →Virginia agents and brokers paid on commission who buy their own coverage through the state's own marketplace or privately.
How they save →Owners of Virginia LLCs, S-corps and small shops buying coverage for themselves, their families and sometimes a team.
How they save →Travel nurses with a Virginia home base whose coverage shifts with each assignment and needs to work in other states.
How they save →Owner-operators and leased-on drivers based in Virginia who run regional and long-haul lanes and buy their own coverage.
How they save →I work with self-employed people in all kinds of fields across 36 states. Tell me what you do and what you pay now, and I'll tell you which direction is worth pricing.