Health Insurance for You and Your Family, Without the Guesswork
Shopping for health insurance on your own can be confusing. There are too many plans, too many insurance terms, and it's often hard to know what you're actually getting.
We make it simpler. We'll help you compare available options, explain them in plain English, and look at your health needs, doctors, prescriptions, and budget before you make a decision.
Get My Free Consultation Or call or text (833) 833-1099Helping individuals and families since 2019 • Licensed in 32 states • Some coverage options may be available year-round
Who We Help
Many of our clients don't get affordable health insurance through a large employer. If one of these sounds like you, you're in the right place.
Self-Employed & 1099 Workers
Contractors, freelancers, consultants, gig workers, real estate agents, and other people who buy their own health insurance.
Small Business Owners
Coverage for business owners, their families, and employees. We can also help compare group and small-business coverage options.
Leaving a Job or Coming Off COBRA
Losing employer coverage doesn't mean COBRA is your only choice. We'll help you compare COBRA with other available health insurance options.
Travel Nurses & Truck Drivers
If you travel for work, your provider network matters. We can help you look for options with broader networks when available.
Families Buying Their Own Coverage
Whether you're covering yourself, a spouse, children, or the whole family, we'll help you compare costs and benefits together.
People Looking for Another Option
If your employer plan is expensive, your COBRA premium is too high, or you're simply unhappy with your current coverage, it may be worth reviewing what else is available.
Your Health Insurance Options
There's more than one kind of health coverage. The right fit depends on factors such as your health, income, doctors, prescriptions, location, and budget.
Marketplace Health Plans
Marketplace plans are individual major medical plans that follow Affordable Care Act requirements. They cover pre-existing conditions and include essential health benefits.
Depending on household income and eligibility, some people may qualify for financial assistance that lowers their premium or out-of-pocket costs.
Marketplace enrollment is generally available during annual Open Enrollment. Certain life events may also allow you to enroll through a Special Enrollment Period.
Private Health Plans
Private health coverage is available outside the government Marketplace. Some options may offer PPO-style provider networks, different cost structures, or year-round applications.
Some private plans use medical underwriting, meaning eligibility and pricing may depend on your health history.
Private plans can work differently from ACA major medical coverage, so we'll explain the benefits, limitations, exclusions, and eligibility requirements before you make a decision.
Short-Term Health Insurance
Short-term coverage is designed for temporary situations, such as a gap between other forms of health insurance.
Benefits and eligibility can be more limited than comprehensive individual major medical insurance, so it's important to understand the details before enrolling.
Health Sharing Programs
Health sharing programs allow members to contribute toward one another's eligible medical expenses.
They are not health insurance and may have different rules, exclusions, eligibility requirements, and payment practices. We'll help you understand those differences before considering one.
Supplemental Coverage
Dental, vision, accident, critical illness, hospital indemnity, and other supplemental products can help cover certain expenses that your primary health plan may not.
Not Sure Which One You Need?
That's normal. You don't need to know the answer before you call. We'll compare the available choices and explain the differences.
Choosing a Plan Type: PPO, HMO or EPO?
The letters on your health insurance plan can make a big difference in which doctors and hospitals you can use.
PPO
PPO plans generally give you more flexibility when choosing doctors and specialists.
You typically don't need a referral to see a specialist. Depending on the plan, there may also be benefits for certain out-of-network care, although your costs are usually higher.
HMO
HMO plans generally use a more limited provider network.
You may need to choose a primary care doctor and get referrals for certain specialists. Except for emergencies and other limited situations, out-of-network care generally isn't covered.
EPO
EPO plans generally require you to stay within the plan's provider network, except for emergency situations.
Unlike many HMOs, referrals may not be required to see in-network specialists.
Health Insurance Terms, Made Simple
Premium
The amount you pay each month to keep your health coverage active.
Deductible
The amount you may have to pay for certain covered services before your insurance begins paying its share.
Copay
A fixed amount you pay for certain services, such as $30 for a doctor's visit or a set amount for a prescription.
Coinsurance
A percentage of the cost you pay for covered care. For example, with an 80/20 arrangement, the plan may pay 80% while you pay 20% after applicable requirements are met.
Out-of-Pocket Maximum
On plans that include an annual out-of-pocket maximum, this is generally the most you're responsible for paying during the year for covered services that count toward that limit.
Network
The doctors, hospitals, pharmacies, and other providers that have agreements with your health plan.
Why Work With 1099 Health Insurance?
No Fee for the Consultation
There is no charge to talk with us, ask questions, and compare available coverage options.
We Look Beyond One Type of Plan
Depending on your situation and where you live, we'll help you compare available Marketplace and private coverage options rather than assuming one type of plan is right for everyone.
Plain-English Explanations
We'll explain deductibles, networks, copays, coverage limitations, and other important details so you know what you're considering before you enroll.
We're Here After Enrollment
Have a question about your coverage, a claim, your member portal, or your renewal? You can still reach out to us after your policy begins.
How It Works
Book a Free Call
Tell us who needs coverage, what matters to you, and roughly what you'd like to spend.
Compare Your Options
We'll help you compare available plans, costs, provider networks, prescriptions, and important benefits.
Choose Your Plan
Once you've decided which option works for you, we'll help you through the application and enrollment process.
What to Have Ready for Your Call
You don't need to have everything figured out. These details can help us narrow down the options more quickly:
- Ages of everyone who needs coverage
- Your home ZIP code
- Names of doctors or hospitals you want to keep
- Prescription medications that are important to you
- A rough estimate of household income if you'd like us to review possible Marketplace savings
- Approximately what you'd like to spend each month
Don't have all of that yet? That's okay. We can start with what you know.
What Our Clients Say
Individuals, families, business owners, and 1099 workers come to us when they want clear answers and help finding coverage that fits their situation.
“Luis was absolutely amazing to work with! He took the time to explain all of my options and helped me find the best health insurance plan for both me and my son, Ace.”
“The entire process was smooth, stress-free, and I never felt pressured. He was knowledgeable, responsive, and genuinely cared about making sure we had the coverage that fit our needs.”
— Natallie S.
“After researching various health insurance brokers, I decided to take a chance on 1099 Health Insurance Solutions and immediately knew that I made the right choice after my first conversation with Luis.”
“His personable demeanor, clear explanations and time taken to understand my health and supplemental insurance needs made the entire process pleasant and, most important, not overwhelming.”
— Manfred M.
“Luis helped me when nobody else could. I got dropped from my company insurance because I missed the enrollment period. It affected my whole family because they were on my insurance plan as well.”
“Luis worked tirelessly to get us the best coverage at the best price and was never pushy. We really appreciate his help and would recommend him to anyone looking for healthcare coverage for themselves, family or business.”
— Vikas S.
“Health insurance is way more complicated in this country than it needs to be, especially if you’re a business owner or 1099 employee like me.”
“Luis makes it very easy and gets you the right plan quick.”
— Andrew K.
Common Health Insurance Questions
Can I get health insurance outside Open Enrollment?
Sometimes. Marketplace coverage generally requires Open Enrollment or eligibility for a Special Enrollment Period. Qualifying events can include losing other coverage, getting married, having a baby, or certain moves.
Some non-Marketplace coverage options may have different enrollment periods or may accept applications during other parts of the year.
Can I get help paying for my health insurance?
You may qualify for Marketplace financial assistance depending on factors such as household income, household size, and eligibility for other coverage.
We'll help you understand the available choices and compare the overall cost and coverage.
Will my doctor be covered?
That depends on the plan's provider network. Give us the names of the doctors and hospitals that matter to you and we'll help you check the network before you choose a plan.
What if I have a pre-existing condition?
ACA-compliant individual major medical plans cannot deny coverage or charge more because of a pre-existing health condition.
Some non-ACA private coverage options may use medical underwriting or have different rules regarding eligibility and pre-existing conditions. We'll explain those differences before you apply.
Is COBRA my only option after leaving a job?
No. Losing job-based health coverage can qualify you for a Marketplace Special Enrollment Period, and other coverage options may also be available depending on your situation.
COBRA can still be the right fit for some people, especially when keeping the same doctors or continuing ongoing treatment is important. We'll help you compare the alternatives.
What's the difference between Marketplace and private health insurance?
Marketplace plans are ACA-compliant individual major medical plans with federal protections, including coverage for pre-existing conditions.
Private coverage outside the Marketplace can include several different types of plans. Benefits, medical underwriting, provider networks, exclusions, and costs can vary significantly, which is why we review the details with you before you choose.
Do private health plans cover major medical events?
It depends on the specific plan. Private health coverage can vary considerably in how it handles hospital stays, surgery, serious illnesses, prescriptions, preventive care, and other services.
We'll review the actual benefits and limitations with you rather than assuming every private plan works the same way.
Is the consultation really free?
Yes. There is no charge for the consultation and no obligation to enroll in a plan.
Let's Find the Right Health Plan for You
Whether you need coverage just for yourself or for your entire family, we'll help you understand your choices and compare coverage that fits your health needs and budget.
Schedule My Free Consultation Call or text (833) 833-1099
