About 1099 Health Insurance
We started 1099 Health Insurance to help people who don't have a big employer handling health insurance for them.
That includes self-employed professionals, independent contractors, freelancers, business owners, families, early retirees, and people going through a change in coverage.
Our goal is simple: help you understand the options available to you, explain the differences in plain English, and make health insurance easier to navigate.
Book a Free Consultation Or call or text (833) 833-1099Based in Phoenix, Arizona • Licensed in 32 states • Helping clients since 2019
Why 1099 Health Insurance Was Started
Health insurance can be especially frustrating when you work for yourself. There isn't an HR department choosing the plan, explaining the benefits, or answering questions when something goes wrong.
Founder Luis Carmona saw how difficult it was for self-employed people and small business owners to understand the choices available outside traditional employer-sponsored coverage.
1099 Health Insurance was built around that problem: give people a place where they can ask questions, compare options, and get help understanding what they're actually buying.
What We Believe
You Should Understand Your Options
Health insurance isn't one-size-fits-all. We help you compare available coverage based on your situation rather than assuming the same type of plan works for everyone.
Insurance Should Be Explained Clearly
Deductibles, coinsurance, provider networks, underwriting, prescriptions, and plan limitations should be explained in language you can actually understand.
You Shouldn't Feel Pressured
Our role is to explain your choices and help you compare them. You decide whether a plan is right for you.
Service Should Continue After Enrollment
Questions don't stop when your policy begins. Clients can still reach out with questions about benefits, bills, claims, prescriptions, member portals, and renewals.
Why Clients Choose 1099 Health Insurance
Independent Guidance
We help clients compare available options rather than assuming one insurance company or one type of plan is right for everyone.
No Fee for the Consultation
There is no charge to talk with us, ask questions, and compare available health insurance options.
180+ Five-Star Google Reviews
Clients regularly mention clear explanations, responsiveness, patience, professionalism, and ongoing support in their reviews.
Help Across 32 States
Our office is in Phoenix, but consultations can be handled by phone or online for clients throughout the states we serve.
What Our Clients Say
The best way to understand how we work is to hear directly from the people we've helped.
“Luis is an all around great person and is amazing at what he does! He is extremely responsive and takes the time to thoroughly explain everything to you so that you can make the best possible decision for you and your family.”
“He helped my wife and I come up with a multi-step plan to make sure we had the best possible coverage as we start to grow our family.”
— Jared H.
“We own and operate a consulting services business, and Luis has provided us great options for insurance as our business grows.”
“He helps us navigate the costs/options each plan has to offer, allowing us to make the best decision on plan/coverage that fits our needs.”
— Brian W.
“He is always available—or quick to return a voicemail—which in itself is rare these days.”
“He consistently demonstrates genuine care and professionalism. He takes the time to listen, explains things clearly, and truly makes you feel like you matter, not just like another client.”
— Robert N.
“Navigating the current health care system in the US is more than challenging and Luis helped us find the policy for our needs.”
“He was open, transparent and kind. It is well worth your time to get in touch with Luis when looking for health insurance.”
— Ann C.
“Luis is the best insurance agent we have worked with. He helped my family find coverage for what we were looking for.”
“He is professional, quick to respond and knowledgeable.”
— Brittany H.
“Luis is super responsive, knowledgeable, and positive.”
“I feel like he had our best interests in mind.”
— Kerry K.
What We Help With
Individual & Family Health Insurance
- Marketplace health insurance
- Private health coverage
- PPO, HMO, and EPO options where available
- Short-term coverage where available
Self-Employed Health Insurance
- Independent contractors
- Freelancers and consultants
- Real estate professionals
- Truckers and drivers
- Entrepreneurs and business owners
Small Business Health Insurance
- Traditional group health plans
- Small business hybrid options
- Level-funded options
- ICHRA and QSEHRA arrangements
- Other employee benefit solutions
COBRA & Coverage Changes
Leaving a job, retiring early, or coming off employer coverage? We can help you compare COBRA with other available coverage.
Additional Coverage
- Dental
- Vision
- Life insurance
- Accident coverage
- Critical illness coverage
- Disability coverage
Help After Enrollment
We can remain a resource for questions involving benefits, member portals, claims, bills, prescriptions, and future renewals.
Our Approach
Our licensed agents take the time to understand your situation before discussing coverage. That includes who needs insurance, your budget, important doctors and prescriptions, and what you want the plan to do.
We believe the best insurance conversation starts with listening first.
Contact 1099 Health Insurance
1099 Health Insurance
Phone or text: (833) 833-1099
Office:
2020 N Central Ave, Suite 1050
Phoenix, AZ 85004
Most consultations can be handled by phone or online, so an office visit isn't required.
Let's Find the Right Coverage for You
Whether you're self-employed, covering your family, leaving a job, or looking for benefits for your business, we'll help you understand the options available to you.
Schedule My Free Consultation Call or text (833) 833-10992020 N Central Ave Suite 1050
Phoenix, AZ. 85004
